Planning Guide
Funeral Cost Guide
Understanding the real cost of funerals helps you plan ahead and protect your family from unexpected financial burdens.
The Reality of Funeral Costs
How Much Does a Funeral Really Cost?
Funeral costs have risen significantly over the past decade. The average American family spends between $7,000 and $12,000 on a funeral — an expense that often arrives with little warning.
Traditional Burial
Includes funeral home services, casket, burial plot, and grave marker.
Cremation
Includes cremation fee, urn, and optional memorial service.
Additional Costs
Medical bills, legal fees, travel, and other end-of-life expenses.
Funeral Costs Are Rising Every Year
According to the National Funeral Directors Association, funeral costs have increased by over 227% since 1986. The average cost of a funeral with burial now exceeds $9,400. Locking in burial insurance coverage today protects your family from even higher future costs.
Detailed Breakdown
Traditional Burial Cost Breakdown
A traditional burial involves many individual costs that add up quickly. Here's what families typically pay.
Cremation Option
Cremation Cost Breakdown
Cremation is a more affordable alternative to traditional burial. However, costs can still add up, especially with a memorial service.
Often Overlooked
Additional End-of-Life Costs
Beyond the funeral itself, families often face additional costs that can add thousands of dollars to the total financial burden.
How Burial Insurance Protects Your Family
A burial insurance policy provides a tax-free cash benefit that your family can use to cover all of these costs — without dipping into savings or going into debt.
Side by Side
Burial vs. Cremation: A Comparison
Don't Leave Your Family With These Bills
A burial insurance policy can cover all of these costs for as little as $20–$80/month. Get your free quote today.
Joe Unger
Licensed Insurance AgentAG Solutions Insurance | National Producer Number (NPN): 17487195
Joe Unger is a licensed independent insurance agent specializing in burial insurance and final expense life insurance for seniors ages 50–85. As an independent agent, Joe works on behalf of his clients — not the insurance companies — comparing plans from multiple A-rated carriers including Mutual of Omaha, Transamerica, Foresters Financial, Aetna, and Gerber Life to find the most affordable and appropriate coverage for each individual.