Burial Insurance – Compare Free Quotes from Top Providers

Burial insurance is a small whole-life policy — typically $5,000 to $25,000 — that covers funeral, burial and cremation costs. Premiums are fixed for life, the death benefit never expires, and most policies are issued with no medical exam.

Compare free Burial Insurance quotes from 50+ licensed insurance providers. Save up to 70% on your premiums with our instant comparison tool. Get personalized rates in minutes — no obligation, no medical exam required.

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What is Burial Insurance?

Burial insurance, often called funeral insurance, is a small permanent life insurance policy sized to cover the cost of a funeral and burial. Benefit amounts usually run from $5,000 to $25,000, which is roughly the cost of a typical funeral service, casket and burial plot. Because the policy is whole life, the premium is locked in at the age you buy and the coverage never expires while you keep paying. Most burial policies are approved without a medical exam, which is what makes them accessible to applicants over 50 or with health conditions that would decline a fully underwritten policy.

How Much Does Burial Insurance Cost?

The average Burial Insurance policy costs around $25/month for a healthy 30-year-old with $250,000 in coverage. Your actual rate depends on your age, health history, lifestyle, and the amount of coverage you need. By comparing quotes from multiple providers, you can save up to 70% on your premiums.

Burial Insurance Rate Factors

• Age — Lock in lower rates by applying while young and healthy
• Health — Non-smokers and those without pre-existing conditions pay less
• Coverage Amount — Higher death benefits mean higher premiums
• Policy Type — Term costs less than whole or universal coverage
• Provider — Rates vary significantly between insurers for identical coverage

Types of Burial Insurance

Term Burial Insurance

The most affordable option. Choose a 10, 20, or 30-year term with guaranteed level premiums. Ideal for covering specific financial obligations like a mortgage or children education. Coverage ends when the term expires, but you can convert to permanent coverage before the term ends.

Whole Burial Insurance

Lifelong coverage with guaranteed premiums and a cash value savings component that grows tax-deferred. Your policy builds equity over time, and you can borrow against the cash value. Premiums are higher than term but remain level for life.

No Exam Burial Insurance

Skip the medical exam entirely. Qualify for up to $500,000 in coverage with a simplified health questionnaire. Approval is typically same-day, making this the fastest way to get covered. Slightly higher premiums than fully underwritten policies, but the convenience often outweighs the cost difference.

How to Save on Burial Insurance

1. Compare 5+ providers — Shoppers who compare save an average of 40%
2. Apply while young — A 25-year-old pays up to 60% less than a 55-year-old
3. Choose term over whole — Term costs 3-5x less than permanent coverage
4. Bundle policies — Many insurers offer multi-policy discounts
5. Maintain good health — Non-smokers qualify for preferred rate classes
6. Pay annually — Annual payments often cost 5-8% less than monthly installments

Burial Insurance Providers We Compare

Our network includes over 50 top-rated providers, giving you access to the most competitive rates available:

• Prudential — Strong financial ratings, competitive term and whole policies
• MetLife — Wide variety of policy options and riders
• Northwestern Mutual — Highest customer satisfaction ratings
• Lincoln Financial — Affordable term options with flexible conversion
• Transamerica — Flexible coverage with strong financial backing
• AIG — Competitive no-exam options for quick coverage
• And 44+ more providers

Frequently Asked Questions About Burial Insurance

How much does Burial Insurance cost per month?

Average costs start around $25/month for a healthy 30-year-old with $250,000 in term coverage. Rates increase with age and coverage amount. Use our free comparison tool to see personalized quotes from 50+ providers.

Can I get Burial Insurance without a medical exam?

Yes. Many providers offer no-exam coverage with limits up to $500,000. You complete a short health questionnaire instead of a full medical exam, and approval can be same-day.

What happens if I outlive my term policy?

When your term expires, you can renew at a higher rate, convert to permanent coverage, or let the policy lapse. We recommend converting before the term ends to lock in better rates.

Is Burial Insurance worth it?

Absolutely. If anyone depends on your income — a spouse, children, or aging parents — this coverage provides financial security that no other product can match. The average death benefit payout is $168,000, which can replace years of lost income for your family.