Finding Affordable Burial Insurance In South Carolina (2023)

Look no farther if you’re looking for the top funeral insurance in South Carolina. We will discuss our nearly three-decade-long search for inexpensive burial insurance in South Carolina.

Above all, it shouldn’t be difficult to locate affordable funeral insurance in South Carolina.

A loved one’s death is usually a tough period. Along with dealing with your loss, you also need to think about the financial and logistical aspects of planning a funeral.

If you reside in South Carolina, you might be interested in finding inexpensive burial insurance.

The good thing is that you have a variety of options at your disposal. Affordable burial insurance is provided by a number of insurance providers in South Carolina.

The South Carolina Funeral Directors Association also offers insurance.

Whatever path you choose, it’s critical to conduct thorough research and evaluate various regulations before deciding.

You can find all the information you require in this post to purchase inexpensive burial insurance in South Carolina.

What is Burial Insurance In South Carolina?

A type of life insurance called South Carolina affordable burial insurance assists in paying for funeral and burial expenses for those between the ages of 50 and 90.

If you don’t have a lot of money, it may be a crucial component of your financial planning.

A life insurance company will sell burial insurance through an agent. Typically, it is whole life insurance, which implies that you are protected for the rest of your life.

You can utilise the death benefit from a burial insurance policy to pay for your funeral, cremation, and burial fees.

There are a few things about burial insurance that South Carolina residents should be aware of.

  • The first thing you should know is that there is no law in South Carolina forcing funeral businesses to accept burial insurance as payment for funeral costs. However, burial insurance is accepted as payment at the majority of state funeral establishments.
  • Second, you should be aware that there is no law in South Carolina requiring insurance providers to provide funeral insurance. However, a lot of insurance providers do provide plans for burial insurance. If you’re looking for a policy, you should inquire about burial insurance from your life insurance provider.
  • Third, you should be aware that the beneficiary listed on the policy receives the death benefit from the burial insurance policy. The beneficiary can use the death benefit to cover funeral costs, but they are also free to utilise it for other things like debt repayment or living expenditures.
Finding Affordable Burial Insurance In South Carolina (2023)

What Does South Carolina Burial Insurance Cost?

Above all, being aware of how much funeral insurance will cost can help you plan your spending. You can get an estimate of the price for a streamlined complete life by looking at the sample rates listed below.

These are the rates for plans with “No Waiting” periods.

Be aware that there are over 1,400 companies offering funeral insurance. You did read that correctly. How can you discover which is ideal for you?

Since there is no “one size fits all” solution, many “in your face” insurers like State Farm will overcharge you by up to 50%. Therefore, before making any judgements, ALWAYS shop with an independent agency like us.

Finding Affordable Burial Insurance In South Carolina (2023)
Finding Affordable Burial Insurance In South Carolina (2023)

How To Find The Best Burial Insurance Quote South Carolina

Find the best burial insurance quotation in South Carolina with the assistance of

As a final expense insurance agent in South Carolina, our knowledgeable staff will assist you in locating the best plan for your requirements and financial situation.

We can assist you in comparing prices from other suppliers because we have access to a wide range of burial insurance alternatives.

With our assistance, you can be sure that you are receiving the finest coverage for the lowest possible cost.

Find the best burial insurance quote in South Carolina with the assistance of whether you’re looking for a policy for yourself or a loved one.

What Are the Benefits of Burial Insurance in South Carolina?

Affordable burial insurance in South Carolina has a lot of advantages.

Typical funeral expenses The costs of arranging and conducting a funeral ceremony, such as those related to burial or cremation, cemetery fees, headstones or markers, and other charges, are covered by burial insurance in South Carolina.

Average funeral cost South Carolina:

Types of South Carolina Burial Costs (Average Statewide)

Remember that these are the average funeral costs for the entire state. Prices are greater in major cities like Greenville and Columbia.

Finding Affordable Burial Insurance In South Carolina (2023)

Provide peace of mind:

Giving you peace of mind is one of the most crucial advantages of burial insurance since it enables you to concentrate on other elements of life when death isn’t on your mind.

After an untimely death, this involves returning to work and tending to family obligations.

Help your family financially:

If you are the main provider for your family and you pass away suddenly, you could leave them with a substantial financial burden.

Your family will get money from burial insurance to aid with funeral costs, debt repayment, and other liabilities, as well as to meet their future requirements.

Make things easier for your loved ones:

Make things simpler for your loved ones by purchasing affordable burial insurance in South Carolina so they won’t have to worry about paying for your funeral or burial out of their own pockets when you pass away. Instead, they receive the policy’s benefits!

Choose how your policy is used:

You can control how your policy is utilised by naming a beneficiary who will be given permission to use the funds on your behalf.

The insurance coverage will be used for any purpose if no beneficiary is named.


Compared to other types of life insurance, burial insurance is incredibly inexpensive. It’s also one of the most affordable ways to guarantee your loved ones’ financial security following your passing.

Flexible coverage:

Burial insurance can be obtained with adjustable term lengths and coverage quantities, allowing you to acquire exactly what you need without spending more than you have to.

Fast and easy application process: 

You can acquire coverage in minutes after completing the application. We can still provide you coverage if you have a pre-existing medical condition.

No medical exam required:

For those with pre-existing problems or those who don’t qualify for other types of life insurance, this sort of coverage is a great option because there are no medical inquiries or health checks required when applying for it (due to health issues).


The insurance coverage is transportable, so you can take it with you wherever you go. This implies that your policy will follow you wherever you reside or move in the future.

You will be ok if you relocate to Florida or Ohio.

Finding Affordable Burial Insurance In South Carolina (2023)

The Free Look Period

In general, the free look period in insurance refers to a time frame during which policyholders are free to reject an agreement for any reason.

Additionally, if consumers return the policy within 30 days of purchase, they are qualified for a reimbursement of the premiums paid. In South Carolina, free look periods are between 10 and 20 days long.

Before buying an insurance coverage, you can make sure that it meets your needs. This law safeguards you from con artists in addition to dishonest agents.

Leading Causes of Death in South Carolina

According to the Centers for Disease Control and Prevention (CDC), the top ten causes of a high death rate are as follows:

  • Cancer
  • Heart disease
  • Accidents
  • Stroke
  • Chronic lower respiratory diseases
  • Diabetes
  • Alzheimer’s disease
  • Septicemia
  • Kidney
  • Suicide

South Carolina’s Life Expectancy

South Carolina has one of the highest life expectancy rates in the nation. The typical person in South Carolina lives to be 74.8 years old.

Keep in mind that, with the exception of Montana, all state’s inhabitants pay the same monthly premium for life insurance (unisex rates).

Burial & Funeral Expectations in South Carolina

States have different laws regarding death and the disposition of bodies. There are regulations that must be followed when a relative passes away in South Carolina.

Death Certificates

In South Carolina, death certificates are generated electronically. Within five days of someone passing away and indicating that they want a funeral home service, an online response form must be filled out and signed electronically.

Until the cause of death is established, the death certificate will appear in state records as “in process.” If the dead has an autopsy, it will delay the certificate’s issuance.

Before paying out death benefits, insurance firms must produce a death certificate.

Your loved ones don’t need to hire a funeral director to get a death certificate. Within five days of the death, the death certificate will be submitted to a regional or state vital records office.

The death certificate, which details the date, hour, and reason for death, must be delivered to them before the five-day window.

Refrigeration and Embalming

South Carolina doesn’t require embalming. A body can be preserved using dry ice and refrigeration, under state law.

Burial Requirements

In South Carolina, there is no need for a casket for burials. Additionally, cremation vessels must be made of rigid materials such corrugated metal, wood, fiberboard, and wood substitutes.

The Funeral Rule does not force you to buy a coffin from the funeral parlour if you decide you want one. Costco and other retailers provide it for significantly less money.

In South Carolina, there are regulations governing what to do with dead bodies.

The decision-makers in a death are often the next-of-kin, the spouse, the children over the age of 18, the parents, and siblings. Without relatives, a guardian may be chosen by the court or another person with legal authority.

Cremation Services

Even though cremation is permitted in South Carolina, there are rigorous guidelines regulating who can order it. The following people can request a cremation in the state:

  • You: An individual must submit authorization for cremation while alive.
  • You can give someone else the power to order your funeral service by naming them in a document that has been checked and signed.
  • Your current partner: You can’t split up.
  • The adult children.
  • Your parents.
  • Your adult sisters and brothers.
  • Your grown-up grandkids.
  • Your grandparents.
  • A legal guardian is put in charge of you by a court.
  • Anyone with the right to take care of their body.

South Carolina’s Average Funeral Costs

In South Carolina, there are a number of final arrangements costs that can cost anywhere from $795 to $9,450.

The manner in which the service will be conducted, the goods you choose to employ, and the venue for your funeral will all affect the total cost of your final arrangements.

Here are some nearby states that you might find interesting .

Why you should choose

In South Carolina, a wide range of businesses provide affordable funeral insurance. However, not all websites are created equal. Here are the top three justifications for getting your insurance directly from us.

We can speak to several of them and ensure you obtain the best prices because we are not confined to a single burial insurance provider or state-regulated programme.

  • We are a company that only considers the needs of our customers. We don’t favour one insurance company over another because our business strategy is built around satisfying the demands of our clients. No other agency or agent can accomplish that better than we can; we strive to get our clients the greatest coverage available.
  • For many years, our business has offered life insurance to cover funeral expenses. We have examined thousands of applications, therefore we are fully aware of how each carrier operates. We can identify businesses based on this data that will accept you for the least amount of money while caring the most about your health.
  • Our objective is to provide accurate and current information to our clients so they may make informed decisions, but we never pressurise them to do so. Finding a company with all of these qualities may be challenging.


Even though planning a funeral might be challenging, it’s crucial to be ready. Making the greatest choices for yourself and your loved ones begins with understanding the law and your rights.

We at are here to guide you through the process and secure the most affordable burial insurance coverage. With our years of experience, we are adept at getting the finest protection for our customers.

Reach out to us right away to assist us in locating the ideal policy for you and your family.