Compare Funeral Insurance Rates

The Average Cost in the US of a Full-Service Burial is $9,135 and a Cremation $5,445…

… or just a small monthly payment.

1) Get your rate quote (less than 1 minute)

2) Get pre-approved for your health class by phone (5 minutes)

3) Enroll by phone with the best carrier for you when you are ready (15 minutes)

  • Immediate protection
  • Your Lowest Rate for Average Health & no wait
  • Your Lowest Rate for Some Health Issues & partial wait
  • Your Lowest Rate for Guaranteed Acceptance
  • Coverages from $3,000 to $40,000
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One of our trusted carriers will have the lowest rate for your health status on the date of your application.

Make sure you apply before any of the following:

  • A new or worsening health condition
  • Your doctor increases a dosage or prescribes a new medication
  • Your doctor requests a medical exam
  • Your doctor recommends a surgery
  • You feel any of the symptoms of COVID-19

The average cost of a burial or cremation with a funeral

ItemBurialCremation
Nondeclinable basic services fee$2,195$2,195
Removal/transfer of remains to funeral home$350$350
Embalming$750$750
Other preparation of the body$255$255
Use of facilities/staff for viewing$425$425
Use of facilities/staff for funeral ceremony$500$500
Hearse$340
Service car/van$150$150
Printed materials (basic memorial package)$175$175
Cremation fee$350
Cremation Urn$295
Metal burial casket$2,500
Sub-Total$7,640$5,445
Cremation casket$1,200
Vault$1,495
Total without a plot$9,135$6,645
Source: National Funeral Directors Association

Check the Average Cost of a Funeral with a Burial or Cremation in Your State

We Got It All Figured Out For You!

Our experienced licensed field underwriters can qualify you after a quick health assessment over the phone. We have consolidated all carriers together and created a simplified guideline that illustrates the best scenario of how your health condition may affect your rate class: your life insurance premium and the wait time for full-coverage.

Health ConditionRate Class
Amputation (due to disease)Graded
AneurysmPreferred
AnginaGuaranteed Acceptance
ArthritisPreferred
AsthmaPreferred
Atrial FibrillationPreferred
Bi-Polar DisorderPreferred
Blood ClotsPreferred
Blood ThinnersPreferred
Cancer (more than 2 years)Preferred
Cancer (less than 2 years)Graded II
Cancer (active)Guaranteed Acceptance
Congestive Heart FailureGraded II
Chronic BronchitisPreferred
CirrhosisGraded
COPD (mild)Preferred
COPD SevereGraded II
Crohn’s DiseasePreferred
Defibrillator (more than 2 years)Preferred
Defibrillator (less than 2 years)Graded
DementiaGuaranteed Acceptance
DepressionPreferred
Diabetes with no complicationsPreferred
Diabetic Coma (more than 2 years)Preferred
Diabetic Coma (less than 2 years)Graded II
Diabetes (insulin before 25 years old)Graded II
Diabetes (insulin after 25 years old)Preferred
DialysisGuaranteed Acceptance
DiverticulitisPreferred
Drug or Alcohol Abuse (18 Months)Preferred
DUI/Reckeless DrivingPreferred
EpilepsyPreferred
FelonyPreferred
FibromyalgiaPreferred
GERDPreferred
Heart Attack (more than 2 years)Preferred
Heart Attack (less than 2 years)Graded
Hepatitis (cured more than 2 years)Preferred
High Blood PressurePreferred
HIV or AIDSGuaranteed Acceptance
Insulin Shock (more than 2 years)Preferred
Insulin Shock (less than 2 years)Graded
Kidney DiseaseGraded
Lupus (hospital visit 12 months)Graded II
LupusPreferred
Multiple SclerosisPreferred
Muscular Dystrophy (no meds)Preferred
Muscular Dystrophy (meds)Graded
NeuropathyPreferred
Nicotine products (except for cigarettes)Non-Smoker
OverweightPreferred
Oxygen (24 hours)Guaranteed Acceptance
Oxygen (less than 24 hours)Graded
Pacemaker (more than 2 years)Preferred
Pacemaker (less than 2 years)Graded
Parkinson’s DiseasePreferred
SchizophreniaPreferred
SeizuresPreferred
Sickle Cell AnemiaPreferred
Sleep Apnea (with oxygen or not)Preferred
Stroke (more than 2 years)Preferred
Stroke (less than 2 years)Graded
TIA-Trans Ischemic AttackPreferred
TumorsPreferred
Wheelchair (due to accident)Preferred

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