Affordable Life Insurance Protection for Your Family

Funeral Insurance in Michigan

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  • Guaranteed Approval up to Age 85
  • Up to $25,000 in Coverage
  • No Health Exam No Health Questions Asked


Can I Buy Funeral Insurance in Michigan?

Yes, whether you live in Detroit, Grand Rapids, Warren, Sterling Heights, Ann Arbor, or anywhere else in the state of Michigan, you may purchase funeral insurance coverage.

You have several options to choose from in purchasing funeral insurance in Michigan, including buying coverage over the internet, calling a life insurance carrier direct, or contacting an insurance agent in your area to request information and a free price quote for your policy.

Funeral expense Insurance is available to all citizens of Michigan who meet the requirements for approval. There may be some age restrictions which vary by insurance carrier.

However, several insurers offer funeral expense life insurance plans for people between the ages of 45 to 75. Some of the leading providers of burial policies include Mutual of Omaha, Gerber Life, Met Life, AIG and AAA Life, among others.

If you are looking for Michigan funeral life insurance coverage, then you should know what your options are. Funeral insurance, also known as burial insurance or final expense insurance, is basic life insurance coverage that is typically used to pay for funeral, burial, and end of life expenses. It can also be used for other expenses such as taxes, probate fees, and other final bills that are left behind.


Michigan Life Expectancy


  • The average Michigan resident lives to be 75.8 years old.


The Leading Causes of Death in Michigan


The leading causes of death in the state of Michigan are:


  1. Heart Disease
  2. Cancer
  3. COVID-19
  4. Accidents
  5. Stroke
  6. Chronic Lower Respiratory Diseases
  7. Alzheimer’s Disease
  8. Diabetes
  9. Kidney Disease
  10. Chronic Liver Disease/Cirrhosis


Here’s the thing to remember when you look at the health issues on that list.

No matter what pre-existing health condition you may have, you can get guaranteed approval funeral life insurance coverage, if you meet the age requirements for acceptance.


How a Funeral Life Insurance Policy Works


Funeral insurance is always a simplified issue whole life policy that has a small face value and very limited underwriting.


These funeral plans are easy. They come with the following benefits:

  • Fixed Monthly Premiums Never Increase
  • Benefits will Never Decrease
  • Policy will Never Expire


That’s all there is to these plans. When you pass away, they pay cash directly to your beneficiary(s) which gives them the funds to pay your final expenses, including the cost of your funeral and burial. Request your FREE Quote.


Funeral Insurance 


Usually, funeral life insurance coverage is a type of permanent life insurance that provides a limited amount of life insurance protection that lasts your entire lifetime.

With Funeral Plans, you select the amount of coverage you need and there is no health exam or health questions required. These plans are called "Guaranteed Issue" because they guarantee approval for anyone who meets the age requirements for acceptance.


Amount of Coverage Available


The amount of insurance for burial coverage available will vary by insurer, usually from $3,000 up to $25,000. Note, if you need more insurance, you may purchase a policy from more than one insurance company.


Age Requirements to Get Insured


The availability of funeral expense plans may vary by insurer, but could be 45-75, 40-80, or even 45-85 years of age, to get guaranteed approval insurance for burial and related expenses.


Can I Get Funeral Insurance for My Spouse?

Yes. If you are married, you have an Insurable Interest in your spouse, and you may purchase funeral coverage on him or her. You can get a burial policy for yourself, and a separate policy on your spouse. Learn about burial and funeral insurance for your family.


What If I Change My Mind?

Each life insurance policy comes with a Free Look Period, based on the state requirements in your state of residence. This basically gives you a Full Refund of all premiums paid if you return your policy within the Free Look Period, which may vary from 10 days up to 30 days, depending on the state and the insurance company. 


Statistics on Funeral Insurance in Michigan


  • Expected MI life span: 75.8 years old
  • Typical cost of a MI funeral and burial: Over $8,924
  • Typical cost of a MI cremation package: From around $2,246


While cremations are becoming increasingly popular because they usually cost a lot less than a traditional burial, families may incur extra expenses to hold a service as with any funeral. 

final expense burial policy can make certain that your family has plenty of money to plan a dignified funeral and pay other bills like travel expenses or feeding guests; as well as, paying for the cost of your burial.


Funeral and Related Final Expenses in Michigan


Here are some Sample Costs for Funeral and Related Expenses:


  • Metal Casket - $3,500
  • Funeral Service Fee - $2,268
  • Transfer to Funeral Home - $357
  • Ceremony - $598
  • Viewing - $580
  • Vault - $1,395
  • Cremation Casket - $1,200
  • Embalming - $757
  • Cremation Fee - $350
  • Hearse - $359
  • Transportation - $192
  • Urn - $295
  • Cosmetic Preparations - $314
  • Utility Vehicle - $311
  • Pamphlets / Prayer Cards - $175
  • Headstone - $199 to $10,000
  • Burial Plot - $1,000 - $4,000
  • Flowers - $75 or more


What is the Average Cost of a Funeral in the USA?

It depends on whether you opt for a burial or cremation.

The average cost of a funeral and burial is $7,360, according to the latest data from the National Funeral Directors Association (NFDA). 

If you get a vault — required by many cemeteries — that number rises to $8,755. 

The average cost of a funeral and cremation is a little lower: $6,260.


Can Life Insurance Help Pay for a Funeral?

Yes. Your beneficiaries can use the payout from your policy to cover your funeral costs.

If you don’t have coverage in place yet, look into final expense life insurance — a permanent policy that’s specifically designed to pay for end-of-life costs, like a funeral, burial and unpaid medical bills.

Usually marketed to seniors over age 65, these policies are limited to smaller amounts that range from $5,000 to $25,000, and they don’t require a medical exam. 


Guaranteed Life Insurance for Seniors in Michigan


Even people with preexisting medical conditions can buy a burial policy. Guaranteed life insurance for seniors asks no health questions. 

However, the insured person has to outlive a waiting period in order to qualify for the entire death benefit. Before that, the policy might only refund previous payments or pay the beneficiaries a part of the face value. 

You can also find simplified issue policies that ask a few health questions, and these are cheaper, offer an immediate death benefit, and might also offer more benefit choices. Also, some of these plans even offer life insurance to people over 80. Start your FREE Quote.


Benefits of Michigan Funeral Insurance


These plans are good options for people who don’t want to pay really high premiums for life insurance, and don’t want to leave a financial burden to their loved ones upon their passing.


Some of the main benefits of a funeral life insurance policy include:

  • Affordable monthly premiums
  • Coverage from $2,000 up to $25,000
  • Guaranteed Acceptance for ages 45 to 85
  • No medical examination required
  • No health questions asked
  • Coverage for people with pre-existing health issues
  • Premiums guaranteed to remain the same
  • Policy builds cash value over time


Value of a Funeral Expense Life Insurance Policy


If you lose a member of your family, you will likely be responsible for paying the cost of their burial and funeral services.

Although some people may have enough money saved up to leave to their loved ones to cover these costs, many die and pass on the financial burden to their family members.

What many people don’t realize is that even the most affordable burial and funeral service can cost thousands of dollars.


Some of the most common costs related to a burial and funeral include:


  • Funeral service including location rental
  • Funeral procession costs including vehicles
  • Flowers, programs and decorations
  • Burial casket
  • Cemetery Plot
  • Headstone


The cost of a burial and funeral service can vary quite a bit, and unexpected costs add up quickly, that’s why purchasing a burial policy is a good decision.

Make sure your family won’t have to worry about the cost to bury you when the thing they want most is to honor your memory.

You can cover yourself with a funeral and burial insurance plan today.


Michigan Funeral Insurance Quotes


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee


Highly Recommended – Gerber Life

Gerber Life offers guaranteed issue life insurance for people ages 50 to 80. Choose $3,000 up to $25,000 of coverage. Rates start as low as $17.69 per month. There’s no medical exam and no health questions. You cannot be turned down. Start Your FREE Quote.


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Frequently Asked Questions


Do Funeral Homes Sell Funeral Insurance?

In some states, funeral homes can sell funeral and burial insurance policies, but there's no need to buy this type of insurance policy from a funeral home. If the funeral home agrees, you can assign the payout to go directly there upon your death to save your loved ones the trouble, but it's important to clear this with the funeral home first.


Is Funeral Insurance a Good Deal?

Funeral insurance coverage is neither the only, or best, way to cover the cost of your final expenses. However, can be a good type of insurance plan for people who only want a small life insurance policy and can't qualify for a larger or less expensive type of life insurance plan because of their age or health issues.


What is Covered by Funeral Insurance?

Funeral insurance is a type of final expense life insurance policy designed to cover the cost of your burial, funeral, or cremation expenses, when you die. After you die, burial life insurance pays the death benefit of your insurance policy directly to your beneficiary, who can use the money in any manner they see fit. 


How Much Does Funeral Insurance Cost?

The average cost of a funeral policy is approximately $40 to $50 per month, and the most common face amount purchased is around $10,000. Your specific premium may be higher or lower depending on your age, gender, health, and the amount of life insurance you purchase.

  

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