Final Expense Insurance by State & County
Choose your state to see its county-by-county funeral cost data, area funeral homes and cemeteries, and free rate comparisons.
See Your Rate in 10 Seconds →Palmetto Mutual helps families across the country compare final expense and burial insurance from top-rated carriers. Select your state below to find a full list of its counties along with local funeral and burial cost averages, nearby funeral homes and cemeteries, veteran burial resources, and side-by-side rate comparisons.
We’re a licensed independent agency, so you see real options from multiple carriers. There’s no obligation and no personal contact information required to compare rates.
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Frequently Asked Questions
No — your premium is based on your age, gender, tobacco use, health, and the amount of coverage you choose, not on where you live. What does change by location is the typical cost of a funeral or burial, which can help you decide how much coverage to buy. Each county page shows local cost averages to guide that decision.
Yes. Final expense insurance is a whole life policy tied to you, not your address. Once it’s in force, your coverage and premium stay the same no matter which state or county you move to.
Select your state above, then open your county’s page from the list — or use our free quote comparison tool to see side-by-side rates from multiple top-rated carriers in about 10 seconds. No personal contact information is required to get started.
They’re essentially the same thing. Both are small whole life policies designed to cover end-of-life costs like funeral services, burial or cremation, and any remaining medical or personal expenses. “Burial insurance,” “funeral insurance,” and “final expense insurance” are simply different names for the same type of coverage.
Most final expense policies don’t require a medical exam. Many use simplified underwriting with a few health questions, and guaranteed-issue plans accept applicants regardless of health (these typically include a waiting period before the full benefit is paid). A licensed agent can help you find the best fit for your situation.
It depends on the costs you want to cover. National averages run roughly $8,300 for a traditional burial and around $6,280 for cremation with a memorial service. Many families choose coverage between $10,000 and $20,000 to account for the funeral plus any remaining expenses.
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