Guides to final expense and funeral costs
Plain answers about burial insurance, final expense insurance and what a funeral or cremation costs. Every number links to where it came from.
Coverage
- Burial insuranceBurial insurance is a small whole life policy that pays your family when you pass away. What it covers, how the price is set and who it fits.
- Final expense insuranceWhat final expense insurance is, how much coverage people buy, the two main kinds, and how to see your options before you decide.
- Life insurance for seniorsThe main kinds of life insurance for people in their 50s, 60s, 70s and 80s, how they differ, and how health questions change the price.
- Guaranteed issue life insuranceGuaranteed issue life insurance skips health questions, but most policies limit the payout for the first two years. How graded benefits and waiting periods work.
Costs
- Funeral costA funeral with viewing and burial had a national median cost of $8,300 in 2023, or $9,995 with a vault (NFDA). Full line-by-line breakdown and what is not included.
- Cremation costThe national median for a funeral with viewing and cremation was $6,280 in 2023 (NFDA). See the line items, how direct cremation differs and what changes the price.
Family Benefit Check is not an insurance company and does not sell insurance. We connect people with licensed insurance agents. These guides are general information, not legal, tax or financial advice.
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