Best Burial Insurance Companies for 2025
Burial insurance policies, also known as final expense or funeral policies, are small life insurance plans designed to help beneficiaries cover funeral and other end-of-life expenses. The best burial insurance companies offer generous coverage limits, minimal medical exam requirements, short waiting periods, and respectable customer complaint records.
Our Top Picks
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Mutual of Omaha: Best Overall and Best for Guaranteed Acceptance
- Financial Strength Rating: A+
- Complaint Record: Better than expected
- Coverage Maximum: $25,000
- Mutual of Omaha offers final expense coverage for applicants aged 45 to 85 with guaranteed acceptance, no medical exam, and no health questions. Policies range from $2,000 to $25,000.
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AAA: Also Great for Guaranteed Acceptance
- Financial Strength Rating: A
- Complaint Record: Much worse than expected
- Coverage Maximum: $25,000
- AAA’s burial insurance plan includes an accidental death benefit rider that doubles the death benefit in case of a covered accident. AAA members receive a $60 annual premium discount.
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Lafayette: Best for High Coverage Limit and Customer Satisfaction
- Financial Strength Rating: A+
- Complaint Record: Much better than expected
- Coverage Maximum: $50,000
- Lafayette offers up to $50,000 in burial insurance coverage, double that of other highlighted options. Approval is based on health questions and medical records.
Why Trust Us
Investopedia’s ratings are independent and unbiased. We researched 45 life insurance companies based on 70 criteria, including financial stability, customer satisfaction, coverage options, and cost. Our team collected 3,150 data points between May 20 and July 3, 2024, from company websites, rating agencies, and customer service calls.
Methodology
Our evaluation categories included:
- Final Expense Policy Features (39%)
- Application Features (21%)
- Guaranteed Issue Features (19%)
- Customer Satisfaction (11%)
- Financial Strength (10%)
For more details, read our full methodology explanation.
Investopedia requires writers to use primary sources and follows strict editorial standards to ensure accurate, unbiased content.
