Final Expense Insurance in Missouri — Coverage for Seniors Across the Show-Me State

Funeral and Cremation Costs in Missouri

Funeral and cremation costs in Missouri generally sit slightly below the national median, though prices vary meaningfully between the state’s urban corridors, smaller cities, and rural counties. This section breaks down statewide averages, the regional differences that matter most for families planning ahead, and the factors that drive Missouri’s pricing patterns. Knowing these numbers is the first step in deciding how much final expense insurance coverage makes sense.

Statewide averages

The table below shows typical Missouri prices for the main service types, based on pricing surveys from Missouri funeral homes and cremation providers. Actual quotes vary by provider, region, and merchandise selected.

Service Type	Typical Missouri Price Range	What’s Included
Traditional full-service burial	$7,000 – $10,500	Basic services fee, embalming, viewing, ceremony, hearse, median-priced casket (cemetery plot, vault, and headstone extra)
Full-service cremation (with viewing and ceremony)	$5,500 – $7,500	Basic services, preparation, viewing, ceremony, rental casket, cremation fee, alternative container, urn
Cremation with memorial service	$2,500 – $5,000	Cremation first, memorial gathering after, facility and staff time
Direct cremation	$795 – $2,500	Transfer, paperwork, cremation fee, alternative container, temporary urn
Immediate burial (no service)	$2,500 – $4,500	Transfer, basic services, simple casket or container, graveside committal

According to the National Funeral Directors Association, the national median for a funeral with viewing and burial is $8,300, rising to $9,995 once a burial vault is included, and the national median for a funeral with viewing and cremation is $6,280. Missouri tracks close to these national medians on full-service pricing and runs below the national median on direct cremation, where strong competition in Kansas City and St. Louis pulls prices down.

Regional cost variation within Missouri

Missouri’s geography creates real pricing differences. The two major metros — Kansas City and St. Louis — have the most competitive cremation pricing in the state because a larger number of providers and several dedicated cremation societies keep direct cremation rates low. The Ozarks region around Springfield and Branson sits in the middle of the pack. Rural counties across northern Missouri, the Bootheel, and the smaller Ozark counties tend to carry higher direct cremation prices because fewer providers operate in those markets.

Region	Direct Cremation (Typical)	Full-Service Burial (Typical)	Notes
St. Louis metro	$795 – $1,500	$7,500 – $10,500	Providers like Bi-State Cremation advertise direct cremation at $795; high competition, urban cemetery costs push burial higher
Kansas City metro	$845 – $1,500	$7,000 – $10,000	Direct cremation advertised as low as $875 at Reflections Memorial Services; Cremation Society of Kansas & Missouri lists a basic plan at $1,395
Springfield / Ozarks	$995 – $1,800	$6,500 – $9,500	Eden Cremation Services in Springfield advertises direct cremation at $995; moderate competition
Columbia / Jefferson City	$1,200 – $2,000	$6,500 – $9,000	Mid-Missouri college-town market, fewer low-cost cremation providers
Rural northern Missouri / Bootheel	$1,500 – $2,500	$6,000 – $9,000	Fewer providers, higher transfer fees due to distance

How Missouri compares to the national average

NFDA data for 2024 showed the national average cost of a burial funeral at $7,848, not including a vault or cemetery plot fees. Missouri’s traditional burial pricing tracks close to that figure in smaller markets and runs above it in the St. Louis metro, where cemetery costs and urban overhead push totals higher. For cremation, Missouri is one of the more affordable states in the country for direct cremation, particularly in Kansas City and St. Louis, where a family can arrange a simple cremation for under $1,000 in many cases.

What drives cost in Missouri

Several state-specific factors shape what Missouri families pay:

Urban vs. rural density. Kansas City and St. Louis each have dozens of funeral homes and multiple dedicated cremation societies competing on price. Rural counties often have one or two funeral homes serving a wide area, and transfer distances add cost.

Cemetery costs. Urban cemetery plots in St. Louis and Kansas City can run $2,000 to $5,000 or more, while rural and small-town cemeteries in the Ozarks and northern Missouri often charge $500 to $1,500 for a plot. This gap is one of the biggest drivers of the urban-rural cost spread on traditional burial.

Cremation rate and competition. Missouri’s cremation rate now sits above 60%, in line with the national trend. The shift toward cremation has driven the growth of dedicated cremation providers in the two major metros, which has pushed direct cremation pricing down. Rural areas still rely heavily on traditional funeral homes, where direct cremation is offered but not always priced as aggressively.

Cost of living. Missouri’s overall cost of living runs below the national average, which keeps funeral home overhead — staff, facilities, vehicles — lower than in coastal states. This is why Missouri families typically pay less for funeral insurance coverage than families in higher-cost states, and why a $10,000 to $15,000 burial insurance policy goes further in Missouri than it would in places like California or New York.

For most Missouri families, a final expense policy between $10,000 and $20,000 covers a traditional funeral and burial in any region of the state, while a smaller $5,000 to $10,000 policy is often enough to cover direct cremation with a simple memorial.

Final Expense Insurance Regulations in Missouri

Final expense insurance in Missouri is regulated at the state level as a form of whole life insurance. The rules below govern how policies are sold, how long you have to cancel, what happens if your insurer fails, and what protections you have as a policyholder. Knowing these rules helps Missouri seniors compare policies on a level playing field and avoid surprises after purchase.

Who regulates insurance in Missouri

The Missouri Department of Commerce and Insurance (DCI) is the state agency that licenses insurance companies and agents, enforces the state insurance code, and handles consumer complaints. Title 20 of the Missouri Code of State Regulations and Chapter 376 of the Missouri Revised Statutes are the backbone of the system regulating the insurance industry within the state of Missouri. If you have a dispute with an insurer or suspect unfair practices, the department’s consumer affairs division is the first place to file a complaint.

Missouri free look period

The free look period is the window of time after you receive a new policy during which you can cancel it for any reason and receive a full refund of any premiums paid. Under Missouri statute 376.706, insurers must provide a 10-day free look period or provide a buyer’s guide and policy summary before the insured makes the first premium payment. Many Missouri insurers voluntarily extend the free look period to 20 or 30 days as a matter of company practice, so the cancellation window on your specific policy may be longer than the statutory minimum.

If your final expense policy replaces an existing life insurance policy, the free look period is extended. After the new policy is issued, you have twenty days from the date the new policy is received by you to notify the company that you are cancelling the policy, and you will receive back all payments you made. This extended replacement free look gives Missouri seniors more time to compare a new policy against the one they are giving up.

Replacement rules

Missouri has specific rules designed to protect consumers when an agent proposes replacing an existing life insurance policy with a new one. Under 20 CSR 400-5.400, the rule regulates the activities of insurers, agents, and brokers with respect to the replacement of existing life insurance and annuities and establishes minimum standards of conduct to be observed in replacement transactions.

Key replacement protections include:

• The agent must deliver a replacement notice explaining the financial impact of switching policies
• The new insurer must notify the existing insurer of the proposed replacement within five business days
• Records of the replacement transaction must be kept for at least five years
• The extended 20-day free look period on the replacement policy gives you more time to reverse the decision

These rules exist because replacing an existing policy often restarts contestability and waiting periods, which can leave a senior worse off than if they had kept the original coverage. A reputable Missouri agent will only recommend replacement when the new policy genuinely improves your situation.

Graded death benefit and contestability

Most final expense policies sold in Missouri fall into one of three underwriting categories: level benefit, graded benefit, or guaranteed issue. A graded death benefit policy pays a reduced amount — typically a return of premium plus interest, or a percentage of the face amount — if the insured dies from natural causes in the first two or three years. After the graded period, the full death benefit is payable.

Missouri law requires a two-year contestability period on all life insurance policies. Under Missouri’s two-year incontestability clause, after two years from issue the insurer cannot contest the policy based on misstatements in the application, with exceptions for fraud, non-payment of premiums, or violation of policy conditions. This means that once your final expense policy has been in force for two years, the insurer cannot rescind it for an innocent mistake on the application. Suicide is typically excluded for the first two years as well.

Grace period for missed payments

If you miss a premium payment, Missouri law gives you time to catch up before your policy lapses. In Missouri the state requires that life insurance companies provide their policyholders with at least a 30-day grace period window. If you pass away during the grace period, your policy’s full death benefit must be paid as long as the claim is otherwise valid. This protection matters for seniors on fixed incomes, where a late Social Security deposit or a banking hiccup can delay a premium payment.

Claims payment and beneficiary protections

Missouri law requires insurers to handle claims promptly and prohibits unreasonable delays. Missouri law prohibits vexatious refusal to pay and unfair claims practices, guaranteeing beneficiaries’ rights to claim information and the ability to file complaints with the Missouri Department of Commerce and Insurance. Insurers must acknowledge claims within 10 working days and accept or reject claims within 15 working days after receiving all necessary documentation. If an insurer unreasonably refuses to pay a valid claim, Missouri statute allows beneficiaries to recover additional penalties and attorney fees on top of the death benefit.

For most final expense policies, once the funeral home or family submits a certified death certificate and a simple claim form, payment is typically issued within days to two weeks.

Missouri Life and Health Insurance Guaranty Association

Every insurance company licensed to sell life insurance in Missouri is required to be a member of the Missouri Life and Health Insurance Guaranty Association (MLHIGA). If your insurer becomes insolvent, the guaranty association steps in to continue coverage or pay claims up to state-mandated limits. In this event, Missouri will guarantee each person a total of $300,000 of death benefit on their lives, and $100,000 of cash value. Because final expense policies typically range from $5,000 to $35,000 in face amount, the guaranty association’s $300,000 death benefit cap covers the full value of virtually every burial insurance policy sold in the state.

Senior consumer protections

Missouri has adopted NAIC model regulations governing suitability, advertising, and sales practices in senior markets. Agents selling final expense policies to Missouri seniors are required to make reasonable efforts to confirm that the recommended policy fits the applicant’s financial situation and needs. Misleading advertising, high-pressure sales tactics, and misrepresentation of policy terms are prohibited under Missouri’s unfair trade practices statutes. Seniors who believe they were pressured into a policy or given false information can file a complaint with the Missouri Department of Commerce and Insurance at insurance.mo.gov, and the department has authority to investigate, fine insurers, and revoke agent licenses.

Funeral and Burial Laws in Missouri

Missouri has specific laws governing death certificates, burial permits, embalming, cremation, and home funerals. These rules apply to every funeral in the state regardless of which provider you use, and they shape what your family will need to handle after a death. The overview below covers the key legal requirements that affect final arrangements in Missouri.

Death certificate filing

In Missouri, a death certificate must be filed with the local registrar within five days after death and before final disposition of the body. The death certificate is governed by Missouri Revised Statute 193.145 and is the foundational document for almost everything that follows — burial, cremation, insurance claims, estate settlement, and Social Security notifications.

The process works like this:

• A physician, medical examiner, coroner, physician assistant, assistant physician, or advanced practice registered nurse completes the medical certification of cause of death, typically within 72 hours
• The funeral director completes the personal information portion with help from the family
• The completed certificate is filed electronically through the Missouri Vital Records Electronic system (MoEVR)
• If no funeral director is involved, the person in charge of final disposition must file the certificate directly with the Missouri Bureau of Vital Records

The first copy of a Missouri death certificate costs $14; additional copies ordered at the same time cost $11 each. Most families need between 10 and 15 certified copies to handle final expense insurance claims, Social Security, banking, real estate transfers, and other estate matters. Ordering extras at the time of filing is almost always cheaper than coming back later.

Burial and cremation authorization

Missouri does not issue a separate burial permit the way some states do. Instead, the completed and filed death certificate itself serves as authorization for final disposition. In Missouri, a completed and filed death certificate authorizes final disposition of the body, including cremation — no additional permit is required, under Mo. Rev. Stat. § 193.145 and Mo. Code Reg. tit. 19, § 10-10.100.

For burials, the funeral home typically handles a burial-transit permit through the local registrar to track the movement of the body from place of death to the cemetery. For home burials on private land, families work with the county recorder to document the burial site.

Embalming rules

Missouri does not require embalming by law. The decision to embalm is almost always driven by how soon disposition will occur and whether there will be a public viewing. In Missouri, if you’re using a funeral director, the body must be embalmed, refrigerated, or placed in a hermetically sealed casket if disposition won’t occur within 24 hours, under Mo. Code Reg. tit. 20, § 2120-2.070.

Refrigeration is an accepted alternative to embalming under this rule. Families who prefer not to embalm for religious, environmental, or personal reasons can ask the funeral home to refrigerate the body instead, which is routine practice for direct cremations and green burials.

Cremation authorization

Cremation in Missouri requires two key documents: the filed death certificate and a signed cremation authorization from the person with legal authority to direct disposition. Missouri law establishes a priority order for who can authorize cremation when the deceased did not designate someone in advance:

1. An attorney-in-fact specifically granted that authority in a durable power of attorney
2. For active-duty service members, the person designated on DoD Form 93
3. Surviving spouse
4. Adult children (by majority)
5. Parents
6. Siblings
7. Other next of kin in order of kinship

Missouri’s authorization-for-cremation regulation is built around medical certification and the death certificate. If the cause of death can be established within seventy-two hours, the rule requires that a completed death certificate be delivered or mailed to the local registrar before the body is cremated. If the death certificate cannot be filed because the cause of death has not been determined, the body shall not be cremated until the funeral director receives written authorization from the medical examiner/coroner or physician certifying the cause of death.

There is generally no mandated waiting period beyond the medical certification process. In practice, it can take 3 to 7 days for all the legal requirements to be met, although it can take longer, and in some cases an expedited cremation can be arranged if necessary. The crematory rule includes a narrow public-health exception allowing cremation within 24 hours when the death involved a communicable disease.

Home funeral legality

Home funerals are fully legal in Missouri. Families can care for their own dead, transport the body, and handle final arrangements without hiring a funeral director. The same death certificate filing rules apply — a medical professional must certify the cause of death, and the person in charge of disposition must file the certificate with the local registrar within five days.

Home burials are also permitted on private property. Missouri law permits the establishment of family burial grounds of less than one acre in size. If you perform a home burial, the designated burial plot land must not exceed one acre, a deed must be drawn up and the land deeded in trust to the County Commission, and the deed must be filed within 60 days. The burial plot must be at least 150 feet from any water supply and 25 feet from any power lines or land boundaries. Local zoning ordinances may add further requirements, so checking with the county clerk before proceeding is important.

Scattering cremated remains

Missouri is relatively permissive about scattering ashes. You may scatter cremated remains on private land with the landowner’s permission. On uninhabited public land, the general guidance is to scatter at least 100 yards from any road, trail, body of water, or developed facility. State parks typically require biodegradable containers and do not permit memorial markers at scattering sites. Scattering on federal lands and national forests is governed by federal rules and may require a permit.

Missouri has no coastline, so burial at sea is not a state-specific concern — families who choose sea burial work with providers on the Gulf or Atlantic coast under federal EPA rules.

Green burial

Missouri permits green burial, and the option is growing in availability. Green burial avoids embalming chemicals, uses biodegradable caskets or shrouds, and forgoes concrete burial vaults. Because Missouri does not require embalming and does not mandate burial vaults statewide (vault requirements are set by individual cemeteries), families have broad flexibility to choose green burial options. Several Missouri cemeteries are certified by the Green Burial Council, and home burials on family land are themselves a form of green burial.

Missouri State Board of Embalmers and Funeral Directors

The Missouri State Board of Embalmers and Funeral Directors, part of the Missouri Department of Commerce and Insurance, licenses and regulates funeral directors, embalmers, funeral establishments, crematories, and preneed sellers in the state. The board sets policy regarding the practice of embalming and funeral directing, funeral establishments and the sale and service of preneed contracts, investigates complaints concerning the profession, and takes disciplinary action against individuals, funeral establishments, and preneed sellers and providers when appropriate.

The board is located at 3605 Missouri Boulevard in Jefferson City and can be reached at 573-751-0813. Public records of license actions, including revocations and discipline, are posted at pr.mo.gov/embalmers. If you have a dispute with a Missouri funeral home or suspect misconduct, the board is the agency with direct authority to investigate.

Preneed funeral contracts

Missouri has specific rules governing preneed funeral contracts — arrangements where you pay in advance for future funeral services. In Missouri, only a Missouri resident, registered and licensed as a funeral establishment, can sell preneed contracts, and a funeral plan is funded either by a trust fund or an insurance policy. The law requires 85% of the funds to be placed in trust, which leaves 15% available for administrative costs.

Preneed contracts are different from final expense insurance. A preneed contract is tied to a specific funeral home and specific services, while final expense insurance is a cash benefit paid to a beneficiary of your choice, who can use the money at any funeral home or for any purpose. Many Missouri seniors prefer final expense insurance for this flexibility — the death benefit is not locked into one provider, and any unused portion goes to the family rather than to the funeral home.

Regions and Major Metros in Missouri

Missouri is a state of distinct regional identities. The Ozarks define the south. The rolling prairie plains of the north stretch to the Iowa border. The Mississippi Alluvial Plain forms the Bootheel in the far southeast. Two major metros — Kansas City on the western border and St. Louis on the eastern — anchor the population at opposite ends of the state, with the Lake of the Ozarks retirement corridor and Springfield’s Ozark metro filling in the middle. Understanding where you fit within these regions helps frame everything from funeral costs to the availability of final expense agents in your area.

Named regions of Missouri

Missouri is typically divided into five broad regions, each with its own geography, economy, and cultural identity:

Kansas City Metro and Northwest Missouri. The western edge of the state, anchored by Kansas City and its suburbs. Extends north and west into St. Joseph and the rolling prairie country along the Missouri River. Economy centered on logistics, manufacturing, agribusiness, and healthcare.

St. Louis Metro and East-Central Missouri. The eastern anchor of the state, centered on St. Louis and its suburbs along the Mississippi River. Extends west into the wine country around Hermann and south into Jefferson County. Economy centered on financial services, healthcare, logistics, and heavy industry.

Little Dixie and Central Missouri. Little Dixie is a historic 13- to 17-county region along the Missouri River in central Missouri, whose early Anglo-American settlers were largely migrants from the hemp and tobacco districts of Virginia, Kentucky, and Tennessee. Includes Columbia, Jefferson City, and the Missouri River counties between St. Louis and Kansas City. Economy centered on state government, the University of Missouri, agriculture, and insurance.

The Ozarks and Southwest Missouri. The Ozark Plateau is Missouri’s largest geographical region — a heavily forested highland plateau dissected by rivers, valleys, and streams. Springfield is the urban anchor, with Branson, Joplin, and the Lake of the Ozarks as major retirement and tourism draws. Economy centered on tourism, healthcare, manufacturing, and retirement services.

The Bootheel and Southeast Missouri. The Missouri Bootheel is a salient in the southeasternmost part of the state, extending south of the 36°30′ parallel. Strictly speaking, it is composed of some or all of the counties of Dunklin, New Madrid, and Pemiscot, though locally the term refers to the entire southeastern lowlands within the Mississippi Embayment, which includes parts of Butler, Mississippi, Ripley, Scott, Stoddard, and extreme southern portions of Cape Girardeau and Bollinger counties. Cape Girardeau and Poplar Bluff anchor the surrounding hill country. Economy centered on cotton, rice, and soybean agriculture, with healthcare and manufacturing in the larger cities.

Northern Missouri Prairie. The upper third of the state north of the Missouri River — a rolling plains region extending from the Iowa border south to the Missouri River corridor. No major metros; economy centered on agriculture and small-town commerce. Population has been declining for decades across most of this region.

Counties grouped by region

The table below groups Missouri’s 114 counties plus the independent City of St. Louis by region, which is the structural guide for locating your county page within the state.

Region	Counties
Kansas City Metro & Northwest	Jackson, Clay, Platte, Cass, Ray, Lafayette, Buchanan, Andrew, Atchison, Holt, Nodaway, Worth, Gentry, DeKalb, Clinton, Caldwell, Daviess, Harrison
St. Louis Metro & East-Central	St. Louis County, City of St. Louis, St. Charles, Jefferson, Franklin, Lincoln, Warren, Washington, St. Francois, Ste. Genevieve, Perry, Crawford, Gasconade
Little Dixie & Central Missouri	Boone, Cole, Callaway, Cooper, Howard, Audrain, Monroe, Randolph, Chariton, Saline, Pettis, Moniteau, Miller, Morgan, Camden, Osage, Maries, Phelps, Pulaski, Laclede, Dallas, Hickory, Benton, Henry, St. Clair, Johnson, Pike, Ralls, Marion, Shelby, Lewis, Clark, Scotland, Schuyler, Knox, Adair, Macon, Linn, Sullivan, Putnam, Mercer, Grundy, Livingston, Carroll
Ozarks & Southwest	Greene, Christian, Taney, Stone, Barry, Lawrence, Jasper, Newton, McDonald, Webster, Wright, Douglas, Ozark, Howell, Texas, Dent, Shannon, Reynolds, Iron, Madison, Barton, Cedar, Dade, Polk, Vernon, Bates, Carter, Oregon, Ripley, Wayne
Bootheel & Southeast	Cape Girardeau, Bollinger, Stoddard, Scott, Mississippi, New Madrid, Pemiscot, Dunklin, Butler

Note: Regional assignments follow common usage and Missouri’s economic development regions. Some counties on regional borders could reasonably be placed in more than one group — Camden and Miller, for example, straddle Little Dixie and the Ozarks due to the Lake of the Ozarks; Crawford and Franklin straddle St. Louis East-Central and the Ozark edge.

Top Missouri metros by population

The table below shows Missouri’s largest metropolitan statistical areas (MSAs) by recent Census population estimates. The St. Louis MSA and Kansas City MSA extend across state lines into Illinois and Kansas respectively; the figures below are total metro population including the out-of-state portions.

Metro Area	MSA Population	Missouri Counties in the MSA
St. Louis, MO-IL	~2.8 million	City of St. Louis, St. Louis, St. Charles, Jefferson, Franklin, Lincoln, Warren, plus the Sullivan portion of Crawford
Kansas City, MO-KS	~2.2 million	Jackson, Clay, Platte, Cass, Ray, Lafayette, Clinton, Caldwell, Bates
Springfield, MO	~490,000	Greene, Christian, Webster, Dallas, Polk
Columbia, MO	~215,000	Boone, Howard, Cooper, Randolph
Joplin, MO	~180,000	Jasper, Newton
Jefferson City, MO	~150,000	Cole, Callaway, Moniteau, Osage
Cape Girardeau, MO-IL	~100,000	Cape Girardeau, Bollinger

The St. Louis MSA accounts for 35% of the state’s population while the Kansas City MSA contributes almost 21%. Of Missouri’s more than 6 million residents, roughly 2,063,000 (34%) live in one of the 99 rural counties. Between the two major metros, the Springfield, Columbia, and Joplin metros cover most of the remaining urban population.

Metro-to-county clustering

Understanding which counties cluster together helps when comparing funeral home availability, regional pricing, and final expense insurance markets:

• St. Louis metro core = City of St. Louis + St. Louis County + St. Charles County (the three largest by population). Outer ring includes Jefferson, Franklin, Lincoln, and Warren counties
• Kansas City metro core = Jackson County + Clay County + Platte County. Outer ring includes Cass, Ray, Lafayette, and Clinton counties
• Springfield metro = Greene County (Springfield) + Christian County (Nixa, Ozark) + Webster County. The Branson tourism and retirement corridor pulls Taney and Stone counties into the Springfield orbit
• Lake of the Ozarks retirement corridor = Camden, Miller, Morgan, and Benton counties, crossing traditional regional lines to form a distinct retirement destination
• Columbia/Jefferson City central Missouri corridor = Boone (Columbia) + Cole (Jefferson City), tied together by government, education, and healthcare employment

State-level demographic patterns relevant to final expense

Several Missouri demographic patterns shape where burial insurance is most often purchased and used:

Senior population concentration. Missouri’s senior population is distributed unevenly across the state. The Lake of the Ozarks counties — Camden, Miller, Morgan, and Benton — carry some of the highest median ages in Missouri as retirees from both Missouri and out of state settle along the lake. Branson in Taney County is a major retirement destination in the southwest. Rural northern Missouri counties and the Bootheel also have high median ages, driven less by retirement in-migration and more by younger residents moving away for work.

Military and veteran presence. Missouri has a significant veteran population concentrated around Fort Leonard Wood in Pulaski County, Whiteman Air Force Base in Johnson County, and the retirement communities that have grown up around both bases. Veterans’ benefits interact with final expense planning in important ways, and many Missouri veterans carry final expense insurance to supplement the modest VA burial benefit.

Urban-suburban-rural split. Roughly two-thirds of Missourians live in the St. Louis, Kansas City, Springfield, Columbia, and Joplin metros; the other third live in small-town and rural counties. This split shapes both funeral home availability and the insurance market — seniors in rural counties often work with a local independent agent, while metro seniors more frequently buy through online channels or national agencies.

Retirement destinations within state. Lake of the Ozarks, Branson/Table Rock Lake, and the retirement communities around Springfield are the three main in-state retirement destinations. Seniors moving to these areas from other parts of Missouri or out of state often review their final expense coverage as part of the move, since cemetery preferences and funeral home relationships typically need to be re-established.

Frequently Asked Questions