If you've been putting off thinking about this, you're not alone. Most people do. But there's something important we'd like to share with you — something that could save your family from a very difficult situation.

The average American funeral today costs $9,000 or more. That's money most families don't have sitting around. And when a loved one passes, the last thing anyone should be doing is scrambling to figure out how to pay for it.

That's exactly what burial insurance — also called final expense insurance — was designed for. A small, affordable monthly payment that ensures your family has the funds they need, right when they need them most.

Here's a look at what a typical American funeral costs in 2025:

That figure doesn't include outstanding medical bills, credit card debts, or other expenses your family may inherit. Burial insurance pays out a tax-free lump sum — usually within 48 to 72 hours of a claim — so your family can cover all of it without dipping into their savings or going into debt.

Here's the part that surprises most people: qualifying is much easier than you think. Unlike traditional life insurance, burial insurance was built specifically for older Americans — even those with existing health conditions.

To give you a general sense of what coverage costs, here are sample monthly rates for a $10,000 policy:

Your exact rate depends on your age, health, gender, and coverage amount. The only way to know your real number is to call — it's free, takes about five minutes, and there's absolutely no obligation to buy anything.