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ABOUT FINAL EXPENSE INSURANCE:
Also known as burial insurance or funeral insurance, final expense is an insurance policy with affordable premiums designed to cover funeral expenses and other associated costs when you die.
Upon your passing, the insurance company will provide a tax-free payout to your beneficiaries for your funeral and burial expenses. This will give you peace of mind that your funeral and burial expenses won’t burden your loved ones.
LET US GUIDE YOU so you may enjoy life, worry-free!
Funeral Costs Breakdown
Below you will see the most common and average cost (according to the NFDA) There are many things to
Removal/transfer of remains to the funeral home ($350) — The charge for transferring the body to the mortuary.
Non-declinable basic services fee ($2,300) — A basic services fee covers the cost of their labor and equipment.
Embalming ($775) — Embalming is often required for open-casket services or if the body is going to be transferred interstate.
Various cosmetic preparations ($275) — This fee covers the cost of makeup application, clothing, hairdressing, and the general preparation of the body.
Facility usage for viewing ($450) — This cost will apply if you wish to use the funeral home’s chapel for the service.
Funeral home staff for service ($515) — You will only pay this if you choose to use the services of the funeral home staff to assist with the funeral ceremony.
Hearse ($350) — This vehicle is used to transport the coffin from the funeral home to the cemetery.
Service car/van ($150) — This vehicle can transport family members or may be used to transport a body instead of a hearse.
Printed memorial package ($183) — Funeral homes will often print pamphlets and prayer cards honoring the deceased and detailing the outline of the service.
Metal burial casket ($2,500) — The cost of a casket depends on what you need. $2,500 is the median price for standard metal caskets. You can also choose a wood casket (median cost of $3,000) or a “green” casket with no chemical treatments (median price of $1,500).
Vault ($1,572) — A vault (aka “burial container”) is a lined and sealed concrete receptacle to protect the grave from sinking. Many cemeteries require the use of a vault for landscaping purposes.
Cremation fee ($368) — This is the typical cost if a third-party crematory performs the cremation.
Cremation casket ($1,310) — These caskets differ from those used for burial and typically cost less.
Urn ($295) — Costs vary quite a bit depending on the size and material quality.
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Cost Of Burial Vs. Cremation
It’s a common misconception that a cremation service is much less expensive than a traditional burial. However, the 2021 figures reported by the NFDA tell a different story...
* With a viewing included, the average burial service (with a vault) cost is $9,420.
* With a viewing, a cremation costs $6,970.
* Assuming you opt for a burial vault (which most people do), the average cremation is only $2,450 cheaper than a burial service.
OTHER POSSIBLE FUNERAL or BURIAL EXPENSES TO CONSIDER!
Depending on your preferences, you may need to consider the following expenses added to your total
- Cemetery plots ($3,581 /average) — Plot costs vary wildly depending on your region of the country. Also, the specifics of the cemetery, its location, and its size all influence the price for a burial plot. For example, some plots in Alaska cost as little as $775, while in California, they might run you over $7,000.
- Grave markers and headstones ($2,000 average cost) — A reasonable expectation for headstone costs is $500 to $3,000. Plain, flat grave markers usually cost hundreds of dollars rather than thousands. However, custom upright monuments or statues can cost more than $10,000, depending on the project’s complexity.
- Flowers ($50 to $80 per arrangement) — These are typical costs, but special arrangements could cost several hundred dollars.
- White doves ($150-$600) — Some families like to opt for the release of white doves as a symbolic way to acknowledge the departed’s transition to another life.
- Mausoleum — A mausoleum is a large free-standing building that houses the body. Some people refer to mausoleums as “burials above ground.” These can be very costly, often costing about $4,000-$5,000 for a basic one.
- Grave liner ($900-$7000) — A grave liner supports the soil to protect the casket. Some cemeteries make these mandatory
