Choosing the Best Burial Insurance in California (2023)

Surprisingly, many California seniors lack burial insurance, and those who do may find themselves overpaying or with inadequate coverage. The financial burden that accompanies death should not be a concern for your family. Death’s impact can linger, often in the form of financial liabilities. This is where burial insurance steps in. In this article, we will delve into the world of burial insurance, how to obtain it in California, and your best options.

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Burial Insurance Breakdown

Burial insurance should never be intimidating or complex, especially for California seniors. It’s a straightforward form of life insurance designed to cover end-of-life expenses, which can include a casket, vault, headstone, urn, marker, plot, and related services. In California, where funeral costs average just below $12,000, having burial insurance coverage ranging from $1,500 to $40,000 ensures financial peace of mind.

Burial insurance is one of the simplest forms of Life Insurance, and should never be confusing for California seniors. 

It is a form of life insurance that is designed to cover costs of death. These costs can be: 

  • Casket
  • Vault
  • Headstone
  • Urn
  • Marker
  • Plot
  • Services

With final expenses, it is pretty much a deal where you can spend as much as you want. On the flip side of that, unfortunately you can’t spend as little as you want. 

Burial Expenses in California

In the great state of California, the average funeral cost is just below $12,000. The average cost of cremations are around $1,500 or so, just depending on how much you do. If you want a full service, these prices could increase very quickly. 

Luckily for you, Burial insurance programs in California range in coverage amounts from $1,500 – $40,000. This ensures California seniors that their burial expenses will be covered. 

If you feel that you feel you don’t have enough burial insurance, you can always add more as well!

Burial insurance policies are considered “Simplified Issue”. This is insurance lingo for meaning there is no medical underwriting done. Most of the time, it is a simple prescription check along with health questions on the application. 

With my top carriers, it is so easy you can have coverage before you go to sleep tonight! 

Best Burial Insurance in California

So what are the best burial insurance options for California? Here are some of your top options:

Mutual of Omaha

Mutual of Omaha offers a final expense burial insurance policy that is designed to provide coverage for individuals between the ages of 45 and 85. The policy provides up to $40,000 in coverage and is available to residents of California.

This company has been around for over 100 years and has a fantastic financial rating. Most importantly, they are known for having some of the lowest rates in the nation for seniors looking for Final Expense coverage. 


When considering burial insurance options in California, Aetna/CVS is a top choice for several reasons:

Aetna is a well-established and respected health insurance provider, known for its financial stability and excellent customer service. Aetna offers a final expense insurance policy that covers end-of-life expenses, such as funeral costs and medical bills, up to $50,000.

The policy is simplified issue, which means there are no medical exams or health questions required to qualify for coverage. Aetna also has one of the easiest application processes in the industry, with just a security question signature required. No telephone interview or email signature. 

Royal Neighbors of America

Royal Neighbors of America is a great option for burial insurance in California.

Their final expense insurance policy covers end-of-life expenses up to $30,000, requires no medical exams or health questions.

With a strong history of customer service and community involvement, Royal Neighbors also offers a range of other insurance and financial products to help individuals and families plan for their future.

Royal Neighbors has arguably one of the richest histories, being started in the late 1800’s by four women. So in a time when women didn’t have the right to vote, these amazing women started their own Life Insurance company. 

Great Western

For my clients that have some health issues that you can consider to be severe, such as cancer, diabetic neuropathy, COPD with oxygen, Great Western is my go to carrier.

Great Western Insurance Company is a top provider of final expense life insurance in the US and an excellent option for burial insurance in California.

Their Great Assurance policy covers up to $40,000 for end-of-life expenses, requires no medical exams, and allows policyholders to add riders for extra coverage.

With a solid reputation for customer service and financial stability, Great Western is a reliable and affordable provider of burial insurance in California.

Free Quotes

Burial Insurance Rates

Keeping transparency in mind, I have provided a list of typical burial insurance rates that you can expect across the board. 

These rates are nationwide.  For a quote specific to you, either comment below or reach out to me here. I would love to get you a quote in seconds!

AgeMale Non-Smoker
Female Non-Smoker
Male Smoker
Female Smoker

California Burial Insurance Carriers to Stay Away From

When it comes to selecting a burial insurance carrier in California, it’s essential to choose a reputable and trustworthy provider.

Unfortunately, some carriers may not have your best interests in mind. In this article, we will take a closer look at three carriers to stay away from:

  • Colonial Penn
  • Lincoln Heritage
  • Globe Life
  1. Colonial Penn has been subject to numerous complaints about its sales practices and customer service. According to the National Association of Insurance Commissioners, Colonial Penn received a significant number of consumer complaints regarding claims handling, policy cancellations, and misleading sales practices.

Additionally, Colonial Penn’s policies may have high premiums and limited coverage options, making it an unattractive option for burial insurance.

     2. Lincoln Heritage has faced criticism for its aggressive sales tactics and questionable marketing practices.

The company has been accused of misleading customers with false promises of coverage and using high-pressure sales tactics to sell policies.

Moreover, some policyholders have reported issues with claims processing and difficulty canceling policies, making Lincoln Heritage a carrier to avoid.

    3. Globe Life is another carrier to be cautious of when considering burial insurance options in California.

The company has faced multiple lawsuits for its sales practices, including allegations of misleading marketing and sales tactics.

Additionally, Globe Life’s policies may have high premiums, low coverage limits, and limited payout options, making it an unappealing choice for consumers seeking comprehensive burial insurance coverage.

Closing Thoughts

In conclusion, selecting a burial insurance carrier is an important decision that requires careful consideration.

Selecting the right burial insurance carrier is a significant decision that ensures peace of mind for your family. Obtain a free quote by filling out the form on this page or leaving a comment below. We look forward to assisting you and your family.

God Bless.