Affordable Burial Insurance Kentucky In 2023

One type of insurance that aids in defraying funeral and burial expenses is burial insurance. Another name for it is “funeral insurance.”

Despite certain similarities, burial insurance is different from life insurance. While burial insurance specifically covers funeral costs, life insurance is intended to support your loved ones financially in the event of your passing.

If you don’t have burial insurance, the average funeral in Kentucky will set your loved ones back $7,360. The good news is that most policies for burial insurance cost less than $30 per month, making them reasonably priced.

We’ll provide you an overview of Kentucky funeral insurance in this post and assist you in locating the most cost-effective plan for your requirements.

What is Burial Insurance In Kentucky?

A type of insurance called burial insurance assists in paying for your ultimate expenses, such as your funeral, burial, and other associated charges. If you are worried about leaving your loved ones with the financial burden of these bills, this form of insurance may be advantageous.

There are a few things to keep in mind when it comes to Kentucky funeral insurance. Identifying the amount of coverage you require is the first step.

Costs associated with the burial and funeral must be taken into account, among other things. You must also determine who will get your insurance benefits. Making this choice is crucial since your loved ones will be the ones to benefit from your policy’s death benefit.

Last but not least, pick a payment method that you can afford. There are numerous choices available, so do your research and compare prices before choosing one.

If you don’t have burial insurance, the average funeral expense in Kentucky is $7,360, which may be too much for your loved ones to bear.

How Does A Final Expense Policy Work?

The initial premium is paid by the policyholder, who then makes tiny monthly payments afterwards until their death or cancellation of the insurance. If you do not cancel your insurance before you pass away and it has been paid in full, you will pay a lump sum to your beneficiaries. You will not receive any death benefits if you cancel the insurance before the balance is paid in full, and neither will your beneficiaries.

It’s important to remember that most last expenditure insurance have a two-year waiting period. If you pass away during the first two years of purchasing your policy, the death benefits will not be paid.

Kentucky Funeral Costs

If you choose to have a viewing, a Kentucky funeral typically costs $7,353. Of course, the cost will vary depending on the location you choose and how much you want to spend on the necessities (such flowers, music, and catering).

How Much Does Burial Insurance Cost In Kentucky?

The price of burial insurance in Kentucky can change depending on your age, health, and the level of coverage you require, among other things.

Age: Your premium is significantly impacted by your age. Your insurance premium will be lower the younger you are. This is so that the danger of death is reduced and people are generally healthier while they are younger.

Health: Your premium will be impacted by your health as well. You’ll probably pay a smaller premium if you’re in good health than if you’re not. It’s because those who are healthy have a lesser probability of passing away.

Amount of Coverage: Your premium will also be impacted by the amount of coverage you require. You will have to pay a higher premium if you require more coverage. However, it’s crucial to make sure you don’t purchase more coverage than you require. Otherwise, you risk paying for insurance that you may never need.

Payment Method: Your premium will also depend on the payment method you select. Generally speaking, if you pay your premium all at once, you will receive a reduction. If you have a limited budget, though, this might not be an option for you. If you choose to pay your premium on a monthly basis, you’ll probably pay more.

Kentucky Funeral & Burial Expectations

According to NDFA figures, the average funeral in Kentucky with viewing and burial costs $7,353. The average funeral starts at roughly $800, but the price quickly rises when you factor in other necessities like a burial vault and coffin, let alone luxuries like flowers and transportation for the departed and their relatives.

When deciding on last preparations and costs, you should be aware of the numerous laws that govern funerals, burials, and cremations in Kentucky.

Death Certificates

All deaths in the state of Kentucky are registered by the Kentucky Electronic Death Registration System (KY-EDRS). After finishing their part, the funeral director sends a digital death certificate to the medical certifier. The procedure can be finished in two steps. For those medical certifiers who don’t use KY-EDRS, certificates are printed with a watermark on 25 percent cotton bond paper.

Medical certifiers complete their certifications and electronically resubmit them to funeral directors. If they are registered users of the system, a medical certifier is required to electronically submit a finished death certificate within five days of the death. Within five days following the death, the medical certifier must submit the completed form.


In Kentucky, there are no rules or legislation requiring the burial of an embalmed body.


In Kentucky, there are no laws requiring the use of a casket or vault to cover the deceased. Check with the cemetery first though, as some demand either or both.

Only the following people have the authority to determine a decedent’s final disposition:

  • Adult children
  • Agents named in your written declarations
  • Surviving parents
  • A spouse
  • Grandchildren
  • Siblings
  • Next of kin
  • A person who has a prepaid funeral plan that outlines your arrangements after contacting all your family members and friends listed above

Before a body can be transferred to a funeral home, coroners in the counties where fatalities occur must issue licences granting authorisation.

Free Look Sights

In Kentucky, customers have a 10-day “free look” window during which they can cancel their insurance policy and receive a full refund. If the coverage bought is a replacement policy, Kentucky gives customers 20 days to change their minds.

Kentucky’s Life Expectancy

With an average life expectancy of 76 years, Kentucky is among the states with the highest average life expectancy in the nation. In terms of average life expectancy, Kentucky is now ranked 47th out of 51 states in the entire USA.

There is only one exception: life insurance premiums in Montana are unisex, so wherever you live, your rates will be the same.


In Kentucky, the coroner in the county where the death took place must provide permission for a ceremonial cremation. The following locations are suitable for scattering or storing cremation ashes:

  • Crypts, graves, and niches
  • An area designated for scattering
  • Owned by a private party (with permission)

Kentucky’s leading causes of death

There are several causes of death in Kentucky that are listed by the Centers for Disease Control and Prevention (CDC) as leading causes of death:

  • Cancer
  • Heart disease
  • Accidents
  • Chronic lower respiratory disease
  • Alzheimer’s disease
  • Stroke
  • Kidney
  • Diabetes
  • Flu/pneumonia
  • Septicemia

Some life insurance companies provide sick people specialised plans. Patients with heart problems might be eligible for life insurance. You will receive a portion of your premium refund if you pass away while applying for coverage. Any pre-paid premiums will also be given to you. There is a waiting period before the coverage kicks in, and the rates are higher.

Regardless of your medical condition, you should still apply for final expense coverage. By doing this, you could help your loved ones get out of debt.

An incredibly forgiving underwriting process

Underwriting is one of the best advantages of funeral insurance coverage.

Due to properly crafted underwriting, people with health difficulties can still qualify for ultimate expense plans. It indicates that it would not deny them coverage under other conventional life insurance policies. Yet, wait

Additionally, burial policies do not at all inquire about your health. Regardless of your health, they will ensure acceptance. For these insurance, you must wait two years before processing the death benefit.

Most of the time, they are not for those who have cancer or other serious, life-threatening illnesses like CHF, Alzheimer’s, or the like. The majority of applicants for burial insurance plans are qualified for them if there are no waiting periods. Apply without hesitation because you might be accepted.

How To Choose The Best Final Expense Policy

To keep it brief, however, here are a few things to remember.

  1. Most carriers insist that you purchase life insurance through an intermediary rather than straight from the insurance provider. Insurance companies don’t deal with consumers directly while selling their products. Through representatives and agencies, they sell them.
  2. Working with an agency or agent does not result in increased insurance premiums. Additionally, hiring a “middle man” won’t increase your expenses.
  3. Because they don’t promote widely, there aren’t many reputable and trustworthy life insurance firms in the US. The businesses sell their goods through organisations like ours because they cannot afford to spend millions on advertising. It does not imply that they are irrelevant or unreliable. One of them may be the best option for you because of the competitive rates and underwriting.

The most effective coverage is offered by a respected organisation under a cost-efficient funeral insurance plan.

It is more important to consider a company’s price and coverage than its annual revenue or reputation.

Let’s summarise.

To discover the best final expense coverage, get in touch with an independent insurance agent that works with at least 10 different insurance companies.

Why You Should Let

Help You

Getting funeral insurance is a pretty easy process. Many businesses want to offer you a policy. But not all businesses are created equal.

Most businesses only exist to improve the lives of their agents and staff at the expense of customers.

The business and procedures we employ are set up in a way that serves your interests. For three reasons, Choose Mutual is the finest option for burial insurance in Kentucky.

  1. For the foreseeable future, our agency will continue to operate independently. There is no one life insurance company that will be the best fit for everyone, so having options is essential. It implies that we represent numerous businesses. Depending on your scenario, we may match you with any final expense company.
  2. For more than ten years, we have been in the funeral expense industry. You can be assured that we have a thorough understanding of everything pertaining to last expense life insurance.
  3. We want to help you achieve the greatest results, therefore we tailor our advice to fit your requirements.


It’s time for you to take action and put these suggestions into practise now that you know how to obtain funeral insurance in Kentucky. We are here to assist you since we understand that selecting life insurance can seem difficult. More than 10 well regarded life insurance companies are represented by our independent insurance brokers. To locate the best deal on the proper coverage, we’ll work with you. To get started, give us a call now or complete our online form.