Final Expense Calculator

An average funeral in the United States can cost up to $10,000, but many people don't think about their final expenses until it's too late. Planning ahead helps save your family the trouble of dealing with unexpected funeral costs while they're grieving. One important way you can plan ahead is by getting final expense insurance, which is designed to cover the costs associated with funerals, such as burial, cremation and memorial service. Use this tool to estimate how much coverage is needed to protect you and your loved ones.

Ceremony & Services

Basic Service Fee

Funeral homes will typically charge a flat fee that covers permits, arrangements, and other overhead expenses.



Loved ones can pay their respects and see the deceased for the last time.



A funeral procession typically involves a hearse, limousines, and other service vehicles.


Printed materials

This includes memorial programs, prayer cards, a guest book, and/or pamphlets.


Memorial Service

This price includes the cost of the venue, clergy, and other funeral ceremony fees.


Funeral Director

Oversees the body preparation, visitation, services, and burials, including legal documents, transportation, and scheduling.



Flowers to accompany the viewing such as a funeral wreath and flowers for the burial services.


Traditional Burial

Wooden Casket

Hardwood or wood veneer caskets are a popular option due to their elegant and classic look.


Metal Casket

Metal caskets are the most durable and resilient option. Popular types include steel, stainless steel, copper, or bronze.


Eco-Friendly Casket

Coffins made of recycled materials will decompose in the ground and reduce toxic emissions.


Body Preparation

This can include dressing, cosmetology, and other styling.



This process preserves a body using chemicals. Though not required for burial, many families choose embalming to slow the decomposition process of the deceased.


Burial Vault

This container houses the casket and protects the surrounding soil from deteriorating.


Burial Plot

This is the spot where the body is placed in the ground, covered with soil, and marked with a headstone. Factors such as where you live and whether you choose a private or public cemetery will impact the price.



A headstone or grave marker pays tribute to the deceased and ensures they will be remembered for years to come. An upright headstone or monument will cost more than a standard grave marker.




From wooden urns and cremation boxes to glass or ceramic urns, you have options when choosing a container to hold an individual’s remains. Urns can run from as little as $50 to over $1,000 depending on the quality and craftsmanship.


Cremation casket

Holds the body during transportation and through the combustion process.


Direct Cremation

A basic cremation process with no ceremony, viewing, or embalmment.


Additional Costs

Body Transportation

Transportation from a residence or hospital to a funeral home.


Body Storage and Refrigeration

Required for most burial services and for cremation.


Final Expense
Insurance Calculator

Based on your information you'll need approximately in final expense insurance.



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Totals are rounded to the nearest thousand. These figures are estimates only. Prices are based on national averages. To obtain a more specific quote, please contact an agent.
(Policy face amounts of $2,000 - $30,000)