Compare Funeral Plan 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 (instantly)
2) Get pre-approved for your health class by phone (5 minutes)
3) Get approved for the lowest rate with the best carrier for your health class by phone 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 |
Save $1,000s by planning and adjusting your ceremony to your budget with this sample list of itemized funeral expenses.
Our Trusted Carriers
One of our trusted carriers will have the lowest rate for your health 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 |
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 |
| Cholesterol (controlled) | Preferred |
| Chronic Bronchitis | Preferred |
| Cirrhosis | Graded |
| COPD (mild) | Preferred |
| COPD Severe | Graded II |
| Crohn’s Disease | Preferred |
| Cystic Fibrosis | 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/Reckless 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 (not cured) | Graded |
| Hepatitis (cured more than 2 years) | Preferred |
| High Blood Pressure | Preferred |
| HIV or AIDS | Guaranteed Acceptance |
| Home Health Care | Preferred |
| 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 |
| Nephropathy | Graded |
| Neuropathy | Preferred |
| Nicotine products (except for cigarettes) | Preferred |
| 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 |
| Retinopathy | Preferred |
| Schizophrenia | Preferred |
| Seizures | Preferred |
| Sickle Cell Anemia | Preferred |
| Sleep Apnea (with oxygen or not) | Preferred |
| Smoking | Preferred-Smoker |
| Stroke (more than 2 years) | Preferred |
| Stroke (less than 2 years) | Graded |
| TIA-Trans Ischemic Attack | Preferred |
| Tumor | Preferred |
| Wheelchair (due to accident) | Preferred |
| Wheelchair (due to underlying health condition) | Graded |