Funeral Insurance: What It Covers, Costs, and Why It’s Worth It

When it comes to financial planning, one often-overlooked product can have a major impact: funeral insurance. Also known as burial insurance or final expense insurance, this small but powerful policy is designed to protect your loved ones from unexpected end-of-life costs. In this post, we break down what funeral insurance covers, how much it costs, and why so many Americans are turning to it in 2025.

What Is Funeral Insurance?

Funeral insurance is a type of whole life policy that provides a modest death benefit—typically between $5,000 and $25,000—to cover funeral, burial, and related expenses. According to Nationwide, the average funeral in the U.S. now exceeds $9,000, making it one of the most significant unplanned expenses families face.

What Does Funeral Insurance Cover?

Funeral home services and viewing
Casket, urn, or burial vault
Headstone and cemetery plot
Cremation services (if preferred)
Outstanding medical or legal bills
Travel expenses for loved ones

How Much Does Burial Insurance Cost?

As of 2025, the cost of burial insurance varies based on your age, health, and benefit amount. For example, a healthy 50-year-old may pay as little as $30/month for $10,000 in coverage. You can explore comparisons from top providers like Progressive, Aflac, and NerdWallet’s Best Burial Insurance list.

Why More Families Are Choosing Final Expense Insurance

Besides affordability, one of the biggest benefits of funeral insurance is the peace of mind it provides. Most plans don’t require a medical exam, have quick approvals, and offer level premiums for life. It’s an ideal option for seniors or those on a fixed income looking to avoid burdening family members with debt.

North Star Insurance Advisors: Helping Families Prepare

At North Star Insurance Advisors, we specialize in final expense insurance. Our licensed agents work one-on-one with clients to find the best plan based on your goals and budget—all over the phone. We simplify the process and educate every step of the way.

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