Affordable Life Insurance Protection for Your Family

Funeral Insurance Rates

Shopping for Funeral Insurance Plans


Do You Need Insurance to Pay for a Funeral?

Funeral Insurance Rates

If so, you may want to get a funeral insurance quote to find out how much your coverage will cost.

Funeral plans are available without any health exam necessary and you can get guaranteed issue coverage without having to answer any questions about your health.

Since the average cost of a funeral, burial and related final expenses, runs about $8,755 – you may want to consider a plan that provides up to $10,000 or more of coverage, so all of your final expenses can be paid for without any undue financial hardship placed upon your loved ones when the time comes.

Funeral Insurance – Start Your Free Quote


What is a Rate for Funeral Insurance?

The rate is the amount you pay per $1,000 of life insurance protection.

Example: $10,000 of funeral insurance with a rate of $5

This example would mean you pay $5 X $10 = $50 per month for $10,000 of funeral insurance.


What is the Average Cost of a Funeral?

According to a recent survey conducted on behalf of the NFDA, the average cost of a funeral and related expenses is around $8,755. 

Source: National Funeral Directors Association – 2021


Cost of Funeral Including Common Expenses


Adult Funeral with Viewing and Burial 

  • Basic Service Fees
  • Removal/Transfer of remains to Funeral Home
  • Embalming
  • Use of Facility for Viewing 
  • Funeral Ceremony
  • Hearse
  • Service Car/Van
  • Basic Memorial Printed Package
  • Metal Casket
  • Burial 

Total - $8,755


Adult Funeral with Viewing and Cremation


  • Basic Service Fees
  • Removal/Transfer of Remains to Funeral Home
  • Embalming
  • Use of Facility for Viewing 
  • Funeral Ceremony
  • Basic Memorial Printed Package
  • Cremation Fee
  • Cremation Casket
  • Urn

Total - $6,260


Source: NFDA 2021 –


How Do I Find My Rate for Funeral Coverage?

It’s simple. You just Request a Free Funeral Insurance Quote.

All you have to do is answer a few simple questions about your gender, age, state of residence and amount of insurance you need. Then click on a button to request your free quote.


Can I Get Rate Quotes on My Spouse, Too?

Yes. You can even apply for a policy for you and your spouse. If you are married, you have an Insurable Interest in your spouse, which means you may purchase life insurance on him or her.


Do I Have to Take a Physical Examination to Get Insured?

No. There is no health exam needed in order to get a funeral expense life insurance plan.


Do I Have to Answer any Health Questions?

No. There is no exam needed, and no questions will be asked about your health.


What If I Have Been Turned Down by Other Insurance Companies?

That’s okay. There are Guaranteed-Issue plans available, which means, if you meet the age requirements, you can get insured regardless of your health.


What are the Age Requirements for Approval? 

People age 45 to 85 are guaranteed acceptance for funeral insurance through Mutual of Omaha.


What If Change My Mind?

You can cancel your life insurance policy at any time. If you cancel it within the first 30 days (Free Look Period), you get all pf your premiums back that you paid. (through Mutual of Omaha)


Can the Insurance Company Cancel My Policy if My Health Changes?

No. As long as you pay your premiums on time, they cannot cancel you for any reason. However, if you choose to cancel your coverage, you may do so at any time.


Will My Premiums Ever Increase?

No. Your premiums remain the same. The only time they would increase is if you decide to increase your amount of life insurance coverage.


Will the Amount of Life Insurance Ever Decrease?

No. The only time it would decrease is if you choose to lower your amount of life insurance provided by the insurance policy.


Features of Guaranteed Issue Funeral Life Insurance

with Mutual of Omaha

  • Guaranteed acceptance for ages 45 – 85 (in NY, 50-75)
  • Coverage amounts: $2,000 – $25,000 (in WA, $5,000 - $25,000)
  • Benefits that are never reduced because of age or health
  • No medical exams or health questions to answer
  • Affordable rates that never increase


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 Rates

Disclosure: Compensated Affiliate