Funeral Planning
& Cost Guide Plan
Ahead for the Future

Understand funeral expenses, learn how to save, and make informed decisions during a difficult time

Losing a loved one is never easy, but understanding funeral costs can help ease the burden

That’s why we’ve created the complete 2025 Funeral Cost Guide—to provide you with clear, comprehensive information about funeral expenses, saving tips, and how to prepare financially.

With this guide, you’ll have the knowledge you need to make decisions that will ease the burden on your family.

Why Funeral Planning Is Important

Planning your funeral in advance ensures that your wishes are respected, provides peace of mind to your family, and helps alleviate some of the stress during a difficult time

Alleviates Family Burden

Ensures that your loved ones don’t have to make difficult decisions while grieving.

Personalization

Tailor the service to reflect your values and life story.

Cost Control

Pre-plan to lock in today’s prices and avoid future price hikes.

Peace of Mind

Reduces emotional and financial strain for your family.

Types of Funeral Services

Traditional Funeral

The most formal service, typically involving a viewing, formal ceremony, and burial. It can be the most expensive, but it offers a chance for family and friends to gather and honor the deceased.

Graveside Service

A smaller, more intimate service, often less costly, held at the cemetery before or after the burial.

Memorial Service

A service held without the presence of the body, often after cremation or burial. It’s typically more affordable and can be tailored to fit any location.

Get immediate access to the complete 2025 Funeral Cost Guide and start planning ahead today

The Steps to Planning a Funeral

Follow these steps to help plan the funeral process smoothly

1. Decide on the Type of Service

Choose between traditional, memorial, or graveside services based on preferences, budget, and traditions.

2. Select a Funeral Home

Research local funeral homes, compare prices, and choose one that aligns with your needs.

3. Choose the Disposition Method

Decide between burial or cremation, depending on personal or cultural preferences.

4. Plan the Service Details

Choose music, readings, and other details to personalize the service.

5. Set a Budget and Payment Options

Determine your budget and explore payment plans, including pre-paid funeral plans or insurance options.

Pre-Planning Your Funeral

Pre-planning your funeral provides numerous benefits

Peace of Mind

Ensures your wishes are fulfilled and relieves stress for your family.

Cost Savings

Lock in today’s prices to avoid future inflation.

Personalization

Pre-select everything from music to eulogies to make the service truly your own.

Fixed Payments That Never Increase

Your premiums are locked in from day one.
No surprises—your payments stay the same for the life of the policy.

Guaranteed Coverage For Ages 0-85

No matter your health status, you’re guaranteed coverage.
We provide security for you and your family, without the hassle of medical exams.

No Medical Exams or Bloodwork

Simplified and easy.
Skip the physical exams—apply with just a few health questions.

Quick, Hassle-Free Process

Get the coverage you need without the wait.
Apply online, and we’ll take care of the rest with minimal paperwork and fast processing.

Funeral Costs Breakdown for 2025

Understanding funeral costs can help you plan and manage expenses. Here’s a cost breakdown for common funeral services

Basic Funeral Home Services	$2,000 - $3,000
Embalming and Body Preparation	$775
Casket (Standard)	$1,000 - $5,000
Cemetery Plot (Burial)	$1,000 - $4,000
Headstone/Grave Marker	$1,000 - $5,000
Funeral Transportation (Hearse)	$350 - $500
Memorial Service (Venue & Services)	$500 - $2,500
Flowers and Decorations	$200 - $700
Total Average Funeral Cost	$7,000 - $12,000
Cremation Costs
Direct Cremation (No Ceremony)	$1,000 - $3,000
Cremation with Services	$3,000 - $7,000

Average Funeral Cost by State

Below is a sample list of costs for items and services used in most final arrangements The costs below do not reflect the price of any particular funeral home

State	Professional Services	Embalming	Cremation	Opening/ Closing	Hearse	Refrigeration*	Vault	Prep**	Transfer	Flowers	Total*
AZ	$1,250	$650	$275	$1,600	$400	$150	$1,100	$250	$400	$600	$1,100
CA	$1,100	$600	$200	$1,850	$400	$75	$900	$175	$350	$600	$900
FL	$1,200	$500	$250	$1,200	$375	$125	$1,000	$225	$400	$600	$1,000
GA	$1,500	$700	$350	$1,000	$450	$50	$1,000	$300	$300	$600	$1,000
ID	$1,250	$900	$400	$1,850	$200	$100	$900	$200	$475	$600	$900
IL	$1,650	$700	$400	$1,700	$500	$100	$1,100	$250	$650	$600	$1,100
ME	$1,900	$800	$400	$2,100	$500	$150	$1,300	$325	$600	$600	$1,300
MN	$1,275	$650	$250	$1,600	$375	$75	$950	$200	$475	$600	$950
NE	$1,300	$700	$300	$1,300	$350	$100	$900	$250	$525	$600	$900
NC	$1,500	$500	$300	$1,050	$450	$50	$1,100	$200	$500	$600	$1,100
OH	$1,400	$700	$250	$2,000	$425	$125	$1,200	$200	$550	$600	$1,200
PA	$1,550	$800	$300	$1,800	$450	$100	$1,100	$400	$600	$600	$1,100
TN	$1,900	$600	$325	$1,100	$350	$75	$900	$175	$400	$600	$900
TX	$1,300	$350	$200	$2,000	$400	$75	$850	$200	$400	$600	$850
WA	$1,100	$600	$200	$2,000	$350	$75	$975	$250	$500	$600	$975

*Refrigeration is per day
**Prep refers to Preparation or *Dressing. Casketing. Cosmetizing. etc*
*** Excuding casket and urn costs

Religious and Cultural Considerations

Religious and cultural beliefs often influence funeral planning

Christian Funerals

Generally prefer traditional funeral services, with burial being common.

Graveside Service

Often involve a burial, with cremation generally avoided.

Memorial Service

Typically prefer cremation, with specific rituals before and after.

Download Your Free Complete
Funeral Planning Guide Now

Frequently
Asked Questions

Can I increase my coverage?

Yes. You can add additional coverage at any age up to age 85. The maximum face amount available is $30,000. Issuance may depend on your answers to a few health questions.

Why do I need life insurance?

Life insurance will provide a cash death benefit that your selected beneficiary or beneficiaries can use for whatever they choose.

How much will life insurance cost me?

Premium rates for life insurance are typically based on factors such as age, sex, height, weight, and health status including tobacco/nicotine use. The type of policy you purchase will also affect the amount of the premium. Please contact us at (877) 777-8808 for a premium quote.

What is a beneficiary?

This is a person or other party designated to receive life insurance proceeds upon the death of the insured. The beneficiary is named when a policy is taken out and can be changed at the request of the policyowner.

Get In Touch

Our Home Office staff is always here to assist you!

You can reach us by phone between business hours:

Mon – Fri:
8:30 am – 5:00 pm

Or you can fill out the form here, and a representative will follow up shortly. We look forward to serving you.

*This national average is taken from the National Funeral Directors Association

**This life insurance does not specifically cover funeral goods or services, and may not cover the entire cost of your funeral at the time of your death. The beneficiary of this life insurance may use the proceeds for any purpose, unless otherwise directed.

We are dedicated to helping families and building leaders

We are dedicated to helping families and building leaders

We are dedicated to helping families and building leaders

We are dedicated to helping families and building leaders

Funeral Planning & Cost Guide Plan Ahead for the Future

Losing a loved one is never easy, but understanding funeral costs can help ease the burden

Why Funeral Planning Is Important

Alleviates Family Burden

Ensures that your loved ones don’t have to make difficult decisions while grieving.

Personalization

Tailor the service to reflect your values and life story.

Cost Control

Pre-plan to lock in today’s prices and avoid future price hikes.

Peace of Mind

Reduces emotional and financial strain for your family.

Types of Funeral Services

Traditional Funeral

The most formal service, typically involving a viewing, formal ceremony, and burial. It can be the most expensive, but it offers a chance for family and friends to gather and honor the deceased.

Graveside Service

A smaller, more intimate service, often less costly, held at the cemetery before or after the burial.

Memorial Service

A service held without the presence of the body, often after cremation or burial. It’s typically more affordable and can be tailored to fit any location.

Get immediate access to the complete 2025 Funeral Cost Guide and start planning ahead today

The Steps to Planning a Funeral

1.

Decide on the Type of Service

2.

Select a Funeral Home

3.

Choose the Disposition Method

4.

Plan the Service Details

5.

Set a Budget and Payment Options

Pre-Planning Your Funeral

Peace of Mind

Cost Savings

Personalization

Fixed Payments That Never Increase

Guaranteed Coverage For Ages 0-85​

No Medical Exams or Bloodwork

Quick, Hassle-Free Process

Funeral Costs Breakdown for 2025

Average Funeral Cost by State

Religious and Cultural Considerations

Christian Funerals

Generally prefer traditional funeral services, with burial being common.

Graveside Service

Often involve a burial, with cremation generally avoided.

Memorial Service

Typically prefer cremation, with specific rituals before and after.

Download Your Free Complete Funeral Planning Guide Now

Frequently Asked Questions

Get In Touch

Our Home Office staff is always here to assist you!

We are dedicated to helping families all across America. If there is ever anything we can do to assist you, please call us or fill out our online form and one of our legendary customer service representatives will be glad to help.

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Funeral Planning
& Cost Guide Plan
Ahead for the Future

Guaranteed Coverage For Ages 0-85

Download Your Free Complete
Funeral Planning Guide Now

Frequently
Asked Questions