Burial Insurance Explained

Is burial insurance different from final expense insurance?

Usually not. “Burial insurance,” “funeral insurance” and “final expense insurance” are names commonly used for the same kind of product: a small whole life policy meant to cover end-of-life costs. Despite the name, burial insurance can be used whether you plan a burial or a cremation.

The one product that works differently is a pre-need plan, which is arranged with a specific funeral home. Our pre-need guide explains the difference.

Costs it can help pay

The death benefit goes to your beneficiary, who can use it for any of these costs, or anything else:

• Funeral home services: staff, preparation of the body, transportation and use of facilities
• Viewing and service: visitation, memorial or graveside service
• Burial items: casket, burial vault or grave liner
• Cemetery costs: burial plot, opening and closing the grave, headstone or marker
• Cremation costs: the cremation itself, an urn, and a niche or scattering arrangements
• Other expenses: flowers, death certificates, an obituary, a meal after the service, and travel for family
• Final bills: medical bills, credit cards or other debts

Burial or cremation?

Costs vary widely depending on where you live, the funeral home and the choices you make. Cremation is often less expensive than a traditional burial, but a service, viewing or cemetery placement adds to the cost either way. Knowing your preference helps you pick a coverage amount that fits. The free Family Legacy Planner has a page for recording these wishes.

Who receives the money?

Your beneficiary does. Funeral homes generally want payment arranged before or soon after the service, so it helps if your beneficiary knows the policy exists and where to find it. Some funeral homes can work with a family to apply the benefit directly once a claim is in process.

General information only, not insurance, legal or financial advice. Last reviewed October 2026.