Affordable Life Insurance Protection for Your Family

Funeral Insurance Plan Cost

What Does a Funeral Insurance Plan Cost?

If you are looking to purchase insurance to pay for a funeral you may be wondering how much funeral insurance costs.

The price you pay for a funeral plan will depend on several factor, including your age, gender, and the amount of insurance you need.

Some plans offer guaranteed approval, which means you cannot be turned down, even if you have a pre-existing health condition.

You can quickly and easily find out how much a funeral insurance plan will cost you be requesting a free funeral insurance quote now.

Can Life Insurance Pay for a Funeral?

Yes. Your beneficiary or beneficiaries can use the death benefit payout from your life insurance policy to pay for you’re the cost of your funeral.

If you don’t have insurance coverage, you may want to consider buying a final expense insurance policy which is permanent life insurance that’s specifically designed to pay for end of life costs, including the cost of a funeral, burial and unpaid medical bills.

Final Expense policies are limited to smaller amounts of insurance usually ranging from $5,000 to $25,000, and they don’t require a health examination.


How Much Does a Funeral Cost?

It depends on whether you choose to have a burial or cremation. The average cost of a funeral including burial is around $7,848, according to the latest data from the National Funeral Directors Association (NFDA). If you get a vault, that number goes up to $8,755.

The average cost of a funeral with cremation is around $6,260.


What is the Average Price of a Funeral?

The average cost of a funeral in the U.S. is around $7,848. That price includes a viewing and burial, embalming, hearse, transfer of remains, and service fee, among other things. 

It doesn't include the cost of a catered luncheon with drinks after the memorial service, which may add hundreds if not thousands of dollars to the overall funeral cost.


What Does a Funeral Plan Cover?

Depending on the type of funeral you choose, you may have to pay for a range of services and materials. 

The National Funeral Directors Association compiled the average price breakdown across America, but you could pay more or less based on where you live.


  • Metal Casket – $2,400 – The average casket made from metal, fiberboard, fiberglass or plastic casket costs $2,400. But some mahogany, bronze and copper caskets can cost up to $10,000, according to the Federal Trade Commission. 
  • Funeral Service Fee – $2,100 – This fee covers the cost of the funeral home or cemetery’s labor and equipment for the funeral.
  • Vault – $1,395 – The price of the protective enclosure the coffin rests in.
  • Cremation Casket – $1,000 – The cost of the combustible container required for the cremation process.
  • Embalming – $725 – The process of preserving a human body through the use of embalming fluids is often required for open-casket services, or if the remains are set to be transferred interstate.
  • Cremation Fee – $350 – The cost of cremating the body. Most funeral homes don’t have their own crematoriums, so they need to outsource this to a third-party.
  • Hearse – $325 – The charge for the vehicle used to transport the body from the funeral home to the cemetery.
  • Funeral Home Staff – $500 – An optional fee for enlisting the funeral home staff to assist with the funeral service.
  • Facility Usage – $425 – If you want to use the funeral home’s chapel for the viewing, there is a fee.
  • Transportation – $325 – The price of transferring the body to the funeral home or morgue.
  • Urn – $275 – The price of the urn to hold the remains after they’ve been cremated.
  • Cosmetic Preparations – $250 – Funeral homes charge a fee for any cosmetic preparation relating to makeup application, clothing and hairstyling.
  • Memorial Service Extras – $160 – The cost of printing pamphlets, prayer cards and other materials for the funeral.
  • Service Vehicle – $150 – The fee for transporting family members to and from the funeral.


Additional Funeral Costs to Consider

The breakdown above does not include cemetery costs, or other items you may use to make the funeral memorable, including:

  • Burial plots. A plot could cost up to $4,000 depending on the city the cemetery is located in, and whether it’s a public or private site.
  • Headstones and grave markers. These are made to order, and can cost anywhere from $199 up to $5,000 for an upright headstone and up to $10,000 or more for elaborate monuments and statues.
  • Flowers. The cost of adorning the casket or ceremony with funeral flowers comes down to the type of flowers you want for the service.
  • Obituary. The price of publishing an obituary in a newspaper or on a website varies by publication.

The Cost of Burial vs. Cremation


Cremation is typically less expensive than a traditional burial. The average cost across America is around $6,260, compared to around $7,848 for a burial. 

However, a direct cremation skips the funeral service beforehand. This is the most economic option, and the only material thing you’ll need to pay for is an urn to hold the remains.


What are Funeral Expenses?

"Funeral Expenses" means expenses directly related to the funeral, burial, cremation, or other chosen method of interment, including a plot or tomb, and other necessary incidents to the disposition of the remains.


What is the Average Cost of a Coffin?

The average cost of a casket in the United States is around $1,924. Caskets purchased online typically cost around $1,594 (plus shipping), while the price for ones bought directly from a funeral home is usually about $2,300.


Who is Responsible for Arranging and Paying for a Person’s Funeral?

The person or persons named in the deceased's will as their executor (or, if the deceased didn't make a will, their nearest living relative) are primarily responsible for arranging their funeral and burial. 

The costs of a funeral and burial can be recouped out of the assets left behind by the deceased’s estate; however, sometimes a person dies without leaving enough money to pay for the cost of their own funeral, leaving it up to relatives to foot the bill.


Who is Liable to Pay for Someone’s Funeral Expenses?

In normal circumstances the deceased's nearest relative, usually their spouse, children or partner, if still living are responsible for the funeral costs.


Who Pays for the Funeral If There is No Estate?

If there is no life insurance and no estate, family members of the deceased end up paying the funeral and burial expenses. 


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


Funeral Insurance Plan Cost | Senior Care Plan

Disclosure: Compensated Affiliate