Cost for Funeral Insurance

How Much Does it Cost for Funeral Insurance?

Do you want to know the cost for funeral insurance? If so, it is important to know there are many factors going into the total cost of funeral home insurance. The average cost will vary based on the company you work with, where you live, your age, and various other factors.

You can always search for funeral prices near me to get more specific costs in your situation. Keep reading here to learn more about the cost of a burial plot, funeral costs, and other funeral-related costs.

What is burial insurance?

Before learning more about the cost of burial insurance, it is important to understand what it is. This type of insurance is intended to cover the end-of-life expenses for the policyholder. You may also hear burial insurance being called funeral insurance or final expense insurance. These all have the same meaning.

In regard to the cost of funeral insurance, there are certain facts to mention:

  • There will be fixed payments made monthly for the life of the policy.
  • The policy can’t expire due to age.
  • The death benefit won’t ever decrease.
  • The policy will build up cash value (so, someone can borrow from it).
  • Even with health issues, you can still get a burial insurance policy.
  • You can customize the coverage amount that you want or need.
  • The money that is still left after your final expenses are paid will be given to your beneficiaries.
  • Your beneficiaries can be your children, spouse, niece or nephew, parent, family friend, sibling, aunt or uncle, great-grandchildren, grandchildren, funeral home, other family members, or anyone else you choose to list.
  • You won’t need to have a physical exam done.

You now have some of the most important facts regarding this type of insurance. Keep reading to find out more about the specific costs of burial insurance.

How much does a funeral cost with cremation?

Do you want to know the cost of funeral insurance? If so, you might also be wondering what the funeral cost with cremation would be.

The first thing to note is that the funeral costs can vary depending on how big of a service you have if there is a casket and some other factors. However, according to the National Funeral Directors Association and many funeral homes near me, the average funeral cost with cremation is around $6,000.

If you are planning to be cremated, be sure this is in your will and other life-planning documents.

How much does embalming cost?

The majority of people who are going to have a funeral will be embalmed. Embalming is the process of preserving humans by using certain treatments to stall decomposition.

If you are planning to be embalmed, you may want to know how much it will cost. According to Choice Mutual, one of the many companies that offer burial insurance, the cost would be around $725. However, the cost could vary depending on the various cost of embalming a body through different funeral homes.

Now that you know more about the cost of embalming, you may want to know how much does it cost to bury someone?

How much does it cost to bury someone?

When it comes to cremation vs burial costs, you will likely find that burial will cost more. This is mostly because there are people who will need to dig the hole where the casket will go. This takes time and effort.

With this being said, the cost to bury someone is usually an average of $12,000. Generally, the cost will not be below $9,000.

If you are going to be buried, you will also need to know more about the average cost of a burial plot.

What is the average cost of a burial plot?

When taking a look at cremation vs burial cost, with burial you will need to pay for the plot. If you have been looking into the cost of funeral insurance? you know the burial plots can range in price.

The overall view on how much does a burial plot cost ranges from the cemetery to the cemetery. It will also vary based on the state you will be buried in. According to, for how much is a burial plot, the average costs are between $1,200 to $3,800.

When looking into how much does a funeral plot cost, you may have to call around to find a plot that fits your budget.

What is the average funeral cost of cremation vs burial per state?

As just mentioned, when looking at cremation vs burial costs, the price will vary by location. You will need to look more into the cemeteries and funeral homes. Take some time to call the ones in the area where you want to be cremated or buried. For now, this information regarding the cost of cremation vs funeral may help.

  • The cheapest cremation costs were $495 in Seattle, WA.
  • The cheapest full-service funeral costs were $2,630 in Tucson, AZ.
  • The most expensive cremation costs were $7,595 in Washington D.C.
  • The most expensive full-service funeral costs were $13,800 in Washington D.C.

These costs were listed by Lincoln Heritage Funeral Advantage. However, they do not include the cost of the cemetery or memorial. Do you want to know the average funeral cost in Georgia or any other particular state? If so, you can look up a funeral costs calculator for that state. You can also check the quote for funeral insurance.

If you want to get the cheapest funeral cost, you will have to make some calls to get quotes. You can do this by searching for cremation costs near me.

How much does a funeral home make per funeral?

You have now learned more about the following:

  • How much does a cremation cost?
  • What is the cost to bury a person?
  • How much does the funeral plot cost?
  • What is the average cost of a funeral?
  • Is cremation cheaper than a burial?

Now that you have this information, you may want to know more about how much a funeral home makes.

For every funeral that is held, the funeral home might make a different amount. According to Biz Fluent, there are different ways that a funeral home makes money. Some of the ways they make money include:

  • The service fees (usually $2,000 or more)
  • Taking the remains from the hospital or home to the funeral home
  • Cosmetology, embalming, grooming, and dressing
  • Casket
  • The cost of using the facilities for the viewing and ceremony
  • Using the hearse
  • Using other vehicles provided by the funeral home
  • Printing of the memorial cards and the register book

With the things the funeral home charges for, the industry makes $17 billion every year. The amount that each individual funeral home makes varies. The amount can vary based on the cost of embalming, cremation burial cost, funeral arrangements, burial vault cost, and other factors.

What is some other funeral insurance information you might want or need?

Learning all you can about funeral insurance is important. You want to make sure you are getting the best cemetery cost, burial or cremation cost, and other funeral-related costs. Now that you know the average funeral cost, there is some other information you might want or need.

There are some books that might be helpful when you are making plans. There are books about the following:


How much does it cost for funeral insurance? If you have been wondering more about this, hopefully, this guide has helped. You have learned about how much does a cemetery plot cost? how much does a cremation funeral cost? and much more.

It is important to remember that funeral insurance costs will vary. It depends on what you will need when passing away. If you decide to be cremated or buried, the costs will vary.

If you decide to be buried in a state with a bigger population, the costs might increase, as well. You should keep all of this in mind when you are looking for burial insurance.

Do you want more specific costs related to funeral insurance? If so, be sure to reach out to a funeral insurance provider today.

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