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
 |  |
| Noreen Neves | Celso Neves |
| Field Underwriter | Field Underwriter |
| 888-960-2539 | 888-966-1625 |
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
| Item | Burial | Cremation |
| 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 |
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 Condition | Rate Class |
|---|---|
| Amputation (due to disease) | Graded |
| Aneurysm | Preferred |
| Angina | Guaranteed Acceptance |
| Arthritis | Preferred |
| Asthma | Preferred |
| Atrial Fibrillation | Preferred |
| Bi-Polar Disorder | Preferred |
| Blood Clots | Preferred |
| Blood Thinners | Preferred |
| Cancer (more than 2 years) | Preferred |
| Cancer (less than 2 years) | Graded II |
| Cancer (active) | Guaranteed Acceptance |
| Congestive Heart Failure | Graded II |
| Chronic Bronchitis | Preferred |
| Cirrhosis | Graded |
| COPD (mild) | Preferred |
| COPD Severe | Graded II |
| Crohn’s Disease | Preferred |
| Defibrillator (more than 2 years) | Preferred |
| Defibrillator (less than 2 years) | Graded |
| Dementia | Guaranteed Acceptance |
| Depression | Preferred |
| Diabetes with no complications | Preferred |
| 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 |
| Dialysis | Guaranteed Acceptance |
| Diverticulitis | Preferred |
| Drug or Alcohol Abuse (18 Months) | Preferred |
| DUI/Reckeless Driving | Preferred |
| Epilepsy | Preferred |
| Felony | Preferred |
| Fibromyalgia | Preferred |
| GERD | Preferred |
| Heart Attack (more than 2 years) | Preferred |
| Heart Attack (less than 2 years) | Graded |
| Hepatitis (cured more than 2 years) | Preferred |
| High Blood Pressure | Preferred |
| HIV or AIDS | Guaranteed Acceptance |
| Insulin Shock (more than 2 years) | Preferred |
| Insulin Shock (less than 2 years) | Graded |
| Kidney Disease | Graded |
| Lupus (hospital visit 12 months) | Graded II |
| Lupus | Preferred |
| Multiple Sclerosis | Preferred |
| Muscular Dystrophy (no meds) | Preferred |
| Muscular Dystrophy (meds) | Graded |
| Neuropathy | Preferred |
| Nicotine products (except for cigarettes) | Non-Smoker |
| Overweight | Preferred |
| 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 Disease | Preferred |
| Schizophrenia | Preferred |
| Seizures | Preferred |
| Sickle Cell Anemia | Preferred |
| Sleep Apnea (with oxygen or not) | Preferred |
| Stroke (more than 2 years) | Preferred |
| Stroke (less than 2 years) | Graded |
| TIA-Trans Ischemic Attack | Preferred |
| Tumors | Preferred |
| Wheelchair (due to accident) | Preferred |
Our Trusted Carriers
