Funeral Expense Insurance: What You Need to Know in 2025

Funeral expense insurance—also known as burial insurance or final expense insurance—is one of the most practical and compassionate financial decisions you can make. With the average funeral now costing over $9,000, preparing ahead can lift a tremendous burden from your loved ones during one of life’s most difficult moments.

What Is Funeral Expense Insurance?

Funeral expense insurance is a type of whole life insurance designed to cover the costs associated with a person’s funeral and burial. It pays out a modest death benefit—typically between $5,000 and $25,000—directly to the beneficiary upon the policyholder’s passing. The goal is simple: prevent family members from having to cover funeral costs out of pocket.

What Does It Cover?

Funeral service and ceremony costs
Burial or cremation
Casket or urn expenses
Headstones and grave markers
Transportation and preparation of remains
Flowers, obituaries, and other memorial services

How Much Does It Cost?

Costs can vary based on your age, health, and the amount of coverage you want. However, plans are generally affordable and often do not require a medical exam. For example, seniors in good health can expect to pay between $30 to $70 per month for a $10,000 policy. Some of the most competitively priced plans come from trusted names like Aflac, Progressive, and CNBC’s Top Burial Insurance Companies.

Who Should Consider It?

Anyone without another form of life insurance—or those who want to ensure their funeral costs are fully covered—should consider funeral expense insurance. It’s especially important for seniors, those on a fixed income, or families without access to large savings.

Why Work with North Star Insurance Advisors?

At North Star Insurance Advisors, we specialize in funeral expense insurance policies that are easy to understand, affordable, and accessible over the phone. Our expert agents help clients choose the right plan and ensure their loved ones won’t be burdened with difficult financial decisions at the worst time.

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