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Burial insuranceSmall life insurance policies that help pay for a funeral.
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What is burial insurance?How it works, in plain wordsBurial insurance for seniorsWhat people over 50 should knowHow much does it cost?What changes your priceIs it worth it?Honest pros and cons

Understand your policy

The different kinds of policiesSide-by-side, in a simple tableCoverage with no waiting periodFull benefit from day oneWhat a waiting period meansGraded and modified policiesWhat the money can pay forFuneral, bills and more

Compare and buy

How to compare companiesA simple checklistBurial vs. regular life insuranceWhich one fits youBuying for a parentStep by step, with their OKGetting pricesWhat happens when you call
Age & healthFind the guide for your age or a health condition.
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Find your age

Ages 50 to 69Most choices availableAges 70 to 79What changes after 70Ages 80 to 84Options still existAges 85 to 89Fewer, but real, optionsAge 90 and upHonest answers

Health conditions

Any health conditionStart here if unsureDiabetesType 1, type 2 and insulinCOPD or oxygen useInhalers, oxygen, smokingCancerDuring or after treatment

More conditions

Stroke or mini-strokeTime since mattersKidney dialysisWhat is usually offeredHIVYour options todaySerious or terminal illnessKind, honest options
Funeral costsWhat a funeral costs and how to plan one, step by step.
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What it costs

What a funeral costsNational averages, explainedWhat cremation costsSimple vs. full serviceEvery cost, line by lineWhat you can skipCremation or burial?A side-by-side look

Pay ahead of time

Prepaid funeral plansPaying the funeral home earlyPreneed insuranceSold by funeral homesBurial savings accountsSetting money asideInsurance for cremationHow it works

Step-by-step checklists

Plan a funeralEvery decision, in orderGet your papers in orderWill, wishes, accountsAfter someone diesThe first 30 daysYour rights at a funeral homeWhat they must tell you
Help payingGovernment benefits, claims, and help with funeral bills.
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Government help

Social Security ($255)Who gets it, how to applyHelp for veteransVA burial benefitsDoes Medicare pay?The short answer: noLocal burial helpCounty and state programs

After a death

Ways to pay for a funeralEvery option, explainedGet a death certificateWhere and how manyCollect life insuranceThe claim, step by stepFind a lost policyFree ways to search

Is that ad true?

"Free" burial insuranceWhat the ads leave outThe "final expense program"Is it from the government?The $25,000 benefitFact checkSSI and burial moneyWhat you can keep
ToolsSimple calculators and checklists. Free, nothing to sign up for.
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Calculators

Funeral cost calculatorAdd up a funeralHow much coverage do I need?Find your numberWhich policy fits my health?60-second quiz

Help and reference

After a death: checklistTick things off as you goWhat does that word mean?Plain-English glossarySearch the siteType a question
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Guides

Planning guides and checklists

Step-by-step help for planning ahead and for the weeks after a death, written in plain language with official sources.

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Planning ahead

Cremation Cost: Direct vs. Full-Service, ItemizedCremation cost depends mostly on the services you add. The National Funeral Directors Association (NFDA) reported a 2023 national median of $6,280 for a funeral with…Read the guide →Funeral Cost Breakdown: Every Price List Line ExplainedA funeral cost breakdown has three parts: funeral home charges listed on its General Price List, cemetery charges such as the plot and headstone, and cash advance…Read the guide →Funeral Planning Checklist: Step-by-StepA funeral planning checklist walks you through each decision in order: burial or cremation, the type of service, the funeral home, the goods and services you want,…Read the guide →End of Life Planning Checklist: Documents, Money and WishesAn end of life planning checklist covers the legal and money side of getting your affairs in order: a will, a durable power of attorney for finances, an advance…Read the guide →The FTC Funeral Rule: Your Rights and How to Read a Price ListThe FTC Funeral Rule is a federal rule that lets you compare funeral home prices and buy only what you want. Funeral homes must give prices by phone, hand you an…Read the guide →

After a death

Burial Assistance Programs: Where Families Can Find HelpBurial assistance programs are run mainly by counties and cities, not the federal government. Many local programs help pay for a basic burial or cremation when the…Read the guide →How Long Does Life Insurance Take to Pay Out? The Claim ProcessHow long life insurance takes to pay out depends on how soon the insurer has a complete claim and whether it needs to review anything further. The clock usually…Read the guide →How to Find a Lost Life Insurance Policy: NAIC Policy Locator and MoreThe NAIC Policy Locator is a no-cost online tool from the National Association of Insurance Commissioners. After a death, you submit details from the death…Read the guide →How to Get a Death Certificate: Who Can Order and How Many You NeedTo get a death certificate, ask the funeral home to order certified copies for you, or order them from the vital records office in the state or county where the…Read the guide →