Burial Insurance
Burial Insurance
Burial insurance — also called final expense insurance — is a small, permanent life insurance policy designed to help your family cover funeral and burial costs without financial strain.
What is burial insurance?
Burial insurance pays a death benefit to your named beneficiary, which they can use to cover funeral, burial, or cremation costs — or any other final expenses. Unlike a prepaid funeral plan purchased directly through a funeral home, the money isn't restricted to specific services, giving your family flexibility when they need it most.
Coverage
What burial insurance can help cover
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Funeral home services
Viewing, ceremony, and staff fees.
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Casket or urn
Whichever your family chooses.
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Cemetery plot & headstone
Burial plot, vault, and marker costs.
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Transportation
Transport of remains and related logistics.
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Obituary & other services
Printing, flowers, and other arrangements.
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Anything else your family needs
The death benefit isn't restricted to funeral costs only.
Burial vs. Traditional Life Insurance
How burial insurance is different
Burial insurance trades a larger coverage amount for a simpler, faster path to approval.
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Smaller coverage amounts
Burial insurance is sized for end-of-life costs, typically a few thousand to $25,000, rather than large income-replacement amounts.
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Easier to qualify for
Many burial insurance products are simplified issue or guaranteed issue, so a medical exam usually isn't required.
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Permanent coverage
Like traditional whole life insurance, burial insurance is designed to last for life as long as premiums are paid.
Get Started
How to get burial insurance
- Quote Answer a few quick questions.
- Compare See your available options.
- Apply Complete your application online.
- Covered Get covered — quickly, if eligible.
Getting started takes just a few minutes — there's no obligation to apply.
Related Coverage
Explore related coverage types
Final expense insurance goes by a few different names depending on how it's used — explore the option that matches what you're looking for.
FAQ
Burial insurance FAQs
Is burial insurance the same thing as final expense insurance?
Generally, yes — "burial insurance" and "final expense insurance" are commonly used to describe the same type of small, permanent life insurance policy intended to help cover funeral and burial-related costs.
Does burial insurance cover cremation as well as burial?
Typically, yes. Burial insurance proceeds are usually paid to your beneficiary as a lump sum, which they can use for cremation, burial, or any other final expenses — the policy doesn't restrict how the money is spent.
Can beneficiaries use burial insurance money for something other than the funeral?
In most cases, yes. Because burial insurance pays a death benefit directly to your named beneficiary rather than to a funeral home, they can generally use the funds however they see fit, including on outstanding bills or medical expenses.
How is burial insurance different from a prepaid funeral plan?
A prepaid funeral plan is typically purchased directly through a funeral home for specific services, while burial insurance is a life insurance policy that pays cash to your beneficiary, who then decides how to use it. Burial insurance generally offers more flexibility.
What coverage amounts are typical for burial insurance?
Many applicants choose coverage amounts intended to cover average funeral and burial costs, though the right amount depends on your circumstances. Comparing a few coverage amounts can help you find one that fits your budget.
See your burial insurance options
Compare coverage amounts and apply online in minutes.
No obligation. Coverage available for eligible applicants.