Utah Final Expense Life Insurance: How to Buy [2024 Update]

Utah final expense life insurance

As a senior in Utah, you may be wondering what final expense life insurance is and how it can help you. Final expense life insurance helps seniors cover the costs of burial or cremation expenses and other related costs that come with death.

It’s important to understand your options when looking into Utah final expense life insurance so that you can make an informed decision on which policy best suits your needs.

In this blog post, we will provide an overview of final expense life insurance, discuss the cost of funeral in Utah, review burial and funeral laws within the state, as well as sample rates for males and females from different companies operating in Utah.

We’ll also guide through each step necessary to buy a final expense policy before sharing our top recommendations for some of the best providers offering quality coverage at competitive prices.

Table of Contents

  1. What is Final Expense Life Insurance?
  2. Cost of Funeral in Utah
  3. Burial and Funeral Laws in Utah
  4. Sample Rates for Utah Males and Females
  5. Steps to Buy a Final Expense Life Insurance Policy
  6. Best Final Expense Companies
  7. Frequently Asked Questions
    1. Is final expense life insurance worth it?
    2. How much does final expense insurance cost per month?
    3. What is the maximum amount of final expense insurance?
    4. What is the best final expense insurance company?
  8. Next Steps

What is Final Expense Life Insurance?

Final expense life insurance is a type of life insurance policy designed to cover the costs associated with end-of-life expenses such as funeral and burial costs. It is typically purchased by seniors over the age of 50 who want to ensure that their loved ones are not burdened with these costs after they pass away.

Also referred to as burial insurance, the amount of coverage provided by final expense policies can vary depending on the company, but it usually ranges from $2,000 to $50,000 in death benefits.

The premiums for these policies tend to be more affordable than other types of life insurance due to their smaller death benefit amounts.

In addition, almost all expense policies do not require a medical exam in order for you to qualify for coverage.

This makes them an attractive option for seniors who may have pre-existing conditions or illnesses that would make them ineligible for traditional life insurance policies.

Key Features of Utah Final Expense Life Insurance

  • Available for seniors between 50 – 85 years old (sometimes older).
  • Policies are permanent and do not expire.
  • Modest face amounts between $2,500 – $50,000.
  • Cash value accumulation.
  • Living benefits are available.
  • Death benefit is paid in a lump sum to the beneficiary.
  • Simple application with no medical exam required.

When purchasing burial insurance for seniors, it’s important to consider how much money your family will need in order to cover your funeral and burial expenses when you pass away.

It is also important to remember that some states have laws regarding how much money must be set aside specifically for funerals and burials. It is best practice to research local regulations before making any decisions about which type of policy is right for you.

Additionally, there are certain companies that specialize in providing final expense plans. Work with an expert agent to be aware of all of your options.

Researching those options could help save time and money when selecting a plan that meets your needs as well as those of your family members should something happen unexpectedly.

Final expense life insurance is an affordable way to help cover the burial and other end-of-life expenses.

Cost of Funeral in Utah

The price of a funeral in Utah can vary greatly depending on the services chosen. On average, a funeral in Utah costs between $7,000 and $10,000. This includes the cost of:

  • A casket.
  • Burial plot or cremation fees.
  • Embalming or other preparation for viewing the body (if desired).
  • Transportation to and from the service location(s).
  • Flowers and decorations for the service site(s).
  • Obituaries and/or memorial videos.
  • Any additional services requested by family members.

When planning a funeral in Utah it is important to consider all associated costs including those related to burial plots.

Cemetery Plot

The price of cemetery plots varies based on location but generally range from around $500-$2,500 per plot, with an additional fee for perpetual care – that often must be paid upfront at time of purchase.

Additionally, there may be charges for opening and closing the gravesite, which can range from $400 – $800, depending on size and depth required.


Caskets are another major expense when planning funerals in Utah, with prices ranging anywhere from several hundred dollars up into thousands depending on materials used and type selected.


Embalming is also an option but not always necessary. However, if chosen, this will add an additional fee typically ranging between $350 – $700 or more.

Related – Secure funds for your end-of-life expenses today so that your loved ones are not searching for free places for burial.

Other Costs

Other expenses may include rental fees for limousines or hearses, along with miscellaneous items such as flowers and decorations.

It is important to remember that while these figures provide estimates, they do not account for any discounts offered by local providers so it is wise to shop around before making final decisions regarding arrangements.

Keep in mind, burial insurance for seniors is specifically designed to help offset some or all of these costs. So it is worth checking into your final expense coverage options before making any commitments towards purchasing services directly out-of-pocket.

The cost of a funeral in Utah can vary greatly, depending on the services and products chosen. It’s important to understand burial and funeral laws in Utah before making any decisions.

Key Takeaway: Funeral costs in Utah can range from $7,000-$10,000 and include: casket and burial plot fees; embalming and preparation for viewing; transportation; flowers and decorations; obituaries or memorial videos.

Burial and Funeral Laws in Utah

Utah has specific laws in place to ensure that funerals and burials are conducted properly.

When it comes to burial permits, the state requires a permit from the local health department before any remains can be buried or cremated.

This permit must include information such as the name of the deceased, date of death, cause of death, and location where burial will take place. In addition, if a body is being transported across state lines for burial or cremation, an additional permit may be required.

Timeframe Requirements

The law also states that bodies must remain refrigerated until they are either buried or cremated. Depending on the county in which you live in Utah, this period can range from 24 hours up to 10 days after death has occurred.

Cemetery Regulations

In terms of cemeteries themselves, there are certain regulations set by each county regarding how gravesites should look once filled with soil and grass seed planted over them.

These regulations usually involve keeping plots neat and orderly, with no more than two headstones per grave site allowed unless otherwise specified by cemetery rules.

Additionally, some counties require that monuments not exceed six feet tall so as not to obstruct views from other gravesites nearby. Although, exceptions may be made depending on the circumstances surrounding particular cases.

Funeral Service Restrictions

Finally, when it comes to funeral services held at churches or other places of worship within Utah’s borders, there are certain restrictions placed upon what type of music can be played during services as well as how long they last.

Typically these limits do not exceed one hour, though exceptions may apply depending on individual situations and circumstances involved with each case. Local authorities must review and approve any requests for exceptions prior to the service taking place.

Burial and funeral laws in Utah provide important guidance for those planning a funeral. It is essential to be aware of the regulations that apply when selecting a burial insurance plan, so now let’s look at sample rates for males and females in Utah.

Sample Rates for Utah Males and Females

Sample rates for Utah males and females can vary significantly depending on age, health status, and other factors.

Generally speaking, men tend to pay higher premiums than women due to their shorter life expectancy.

For a healthy 65 year old male in Utah, sample rates could range from $80 – $90 per month for a $15,000 burial policy.

In comparison, a healthy 60 year old female may see sample rates ranging from $35 – $40 per month fpr a $10,000 burial policy.

Keep in mind, these figures are just estimates as actual costs will depend on the individual’s specific circumstances.

Further, certain individuals may be eligible for special rates. For example, some carriers specialize in burial insurance for veterans.

Health Status

Health status is an important factor when it comes to determining final expense life insurance premiums.

If you have any pre-existing medical conditions or take medications regularly, your premium rate could be higher than average since these conditions increase your risk of death during the policy term.

A significant medical diagnosis may prevent you from purchasing traditional burial insurance. Coverage options are still available however. Look to a guaranteed issue life insurance plan, in which no health questions are asked.

Related – If cancer runs in your family, consider purchasing a cancer plan.

On the other hand, if you are in good health with no major medical issues or medications taken regularly then you may qualify for lower premium rates compared to those who do not meet this criteria.

Compare Rates

It is also important to note that different insurers offer different rates, so it pays off to shop around and compare quotes before making a decision about which policy is best for you.

Working with an experienced agent can be beneficial as they can help guide you through the process of selecting the right coverage at an affordable price point that meets your needs and budget constraints.

Utah males and females can get a good idea of what their final expense life insurance policy might cost by looking at the sample rates. Now, let’s look at the steps you need to take to purchase your policy.

Steps to Buy a Final Expense Life Insurance Policy

Buying final expense (burial insurance) coverage is a fairly simple and straightforward process.

Before you begin, be sure to enlist the help of an expert agent who specializes in burial insurance for elderly individuals. That way, you can feel confident knowing you will have access to multiple carriers and policies to compare and contrast.

Step 1: Research

Before purchasing a final expense life insurance policy, it is important to research different companies and policies.

Your independent agent will guide you through the comparison process.

Compare quotes from multiple insurers to find the best coverage for your needs. For example, many seniors purchase the following coverage amounts:

  1. $10,000 burial policy
  2. $20,000 burial policy
  3. $30,000 burial policy

Consider factors such as premiums, death benefits, riders (additional features that can be added to the policy), and any exclusions or limitations on coverage.

Step 2: Application

Once you have determined, with the help of your agent, the best carrier and coverage amount for your needs, it is time to start the application process.

Final expense applications are completed online or over the phone in a matter of minutes. You do need need to leave the comfort of your home.

Plan to share the following important information:

  • Full name.
  • Physical address.
  • Date of birth.
  • Social Security number.
  • Basic health history (no medical exam is required).
  • Beneficiary information.
  • Desired living benefits, if applicable.

Many final expense application decisions are instant-decision, meaning that you will find out if your application is approved on the spot.

Most seniors are approved for final expense coverage. However, if you have been diagnosed with serious health complications, a guaranteed issue life insurance plan is always an option.

With guaranteed issue, no health questions are asked and everyone is approved, as long as you meet the age requirements (usually over 50 years old).

Step 3: Policy Details

Once you have chosen an insurer and applied for coverage, review all of the details in your policy documents carefully before signing them.

Make sure you understand what is covered by your plan so there are no surprises down the road if something happens unexpectedly.

Step 4: Signing Paperwork & Making Payments

After reviewing all of the paperwork associated with your new policy, sign it according to instructions provided by your insurer and make sure everything is correct before submitting it back to them.

You’ll also need to make an initial payment towards premiums at this time in order for coverage to begin immediately upon approval of application materials.

Keep track of all information related to your final expense life insurance policy including:

  1. Contact information for customer service representatives.
  2. Copy of your policy.
  3. Payment records.

Communicate to your beneficiary where your burial insurance (final expense) policy is stored. That way, there are no delays when it comes time to file a life insurance death claim.

Be sure to review your policy regularly, at least on an annual basis. Your end-of-life monetary needs may change over time.

Buying a final expense life insurance policy can be an overwhelming process, but by following these steps, you can ensure that you get the coverage and protection you need.

Now let’s look at some of the best companies offering final expense policies in Utah.

Key Takeaway: Before purchasing a final expense life insurance policy, research different companies and policies to compare quotes, consider premiums, death benefits, riders and exclusions.

Best Final Expense Companies

When shopping for final expense life insurance, it’s important to find an insurer that offers competitive rates and reliable customer service.

Remember, your independent agent will walk you through the final expense company comparison and selection process.

Note – Be sure to mention any special circumstances you may have, such as having a disabled status. Your agent will need to understand your unique needs and circumstances in order to find the best carrier for you.


SBLI offers affordable final expense policies with coverage amounts ranging from $2,500 – $35,000 in death benefits.

SBLI offers a free rider called LegacyShield, which provides a subscription to online estate-planning tools. Additionally, you gain free access to the Sequoia Funeral Concierge Plan.

American Amicable

American Amicable is one of the best final expense companies in Utah. They offer a variety of products including burial insurance for seniors.

Coverage amounts up to $50,000 are available. American Amicable also has a wide range of riders available, including terminal illness and confined care.


Prosperity offers a term option for burial insurance. Seniors only need to answer three health questions to qualify for up to a $30,000 burial policy.

Coverage remains level for the first 20 years of the policy. An accelerated death benefit rider is included at no additional cost.


CICA offers a whole life insurance policy called, Superior Choice. Applicants can be between the ages of 0 – 85 years old. Up to $30,000 in coverage is available.

Underwriting is simple. You will never take a medical exam. In addition, you will not be asked about your height, weight or tobacco use.

Guarantee Trust Life

Guarantee Trust Life is another burial insurance provider to consider. For the Heritage Plan, applicants only need to answer five health questions to qualify for up to $25,000 in coverage.

In addition, for the first two policy years, an accidental death benefit rider is included at no extra cost.

Corebridge Financial

If you have been diagnosed with heath complications, consider the Corebridge Guaranteed Issue Whole Life plan (GIWL).

You will not be asked health questions and everyone qualifies, as long as you are between the ages of 50 – 80 years old. Corebridge GIWL is a top-rated guaranteed issue life insurance plan.

Mutual of Omaha

Mutual of Omaha is another top-rated final expense company in Utah. offering final expense policies with coverage amounts up to $40,000. Mutual also offers several riders including an accelerated death benefit.

Key Takeaway: SBLI, American Amicable, Mutual, Guarantee Trust Life, Corebridge and CICA Life offer competitive rates and reliable customer service with generous coverage amounts.

Frequently Asked Questions

Is final expense life insurance worth it?

Often, final expense or burial insurance is worth it. This form of coverage can be a valuable tool for seniors over the age of 50.

It is designed to provide financial protection in the event of an unexpected death, helping to cover the price of a funeral and other end-of-life expenses.

This type of policy typically has lower premiums than traditional life insurance policies, making it more affordable for those on a fixed income.

Additionally, final expense policies often have fewer restrictions and requirements than other types of coverage, making them easier to qualify for regardless of health or lifestyle factors.

For these reasons, burial insurance for seniors is typically an essential component of their overall financial plan.

How much does final expense insurance cost per month?

The cost of burial insurance (or final expense) varies depending on the type of policy and the coverage amount. Generally, premiums for final expense policies are lower than those for other types of life insurance due to their limited death benefit.

As an example, for a healthy 70 year old living in Utah, the average monthly premium for a $10,000 policy is around $75 – $60 per month for males and females respectively. However, this can vary based on age, health status, and other factors.

Additionally, some companies offer discounts or reduced rates if you purchase multiple policies from them at once. Ultimately, it’s important to shop around and compare quotes in order to find the best rate for your individual needs.

What is the maximum amount of final expense insurance?

Generally, policies can range from $2,000 to $50,000 in coverage. However, some insurers cap their coverage limits at $35,000.

It is important to speak with an experienced agent about your individual needs when selecting a policy so you can get the best coverage for your situation.

What is the best final expense insurance company?

The best final expense insurance company for seniors over the age of 50 is entirely dependent on your unique needs and budget.

Work with an expert independent agent to assess your anticipated end-of-life costs, including final medical bills, funeral plans, minor debts. Compare your needs with your monthly budget for a burial insurance policy.

Then, be sure evaluate highly-rated final expense life insurance companies:

  1. American Amicable
  2. SBLI
  3. Mutual of Omaha
  4. Guarantee Trust Life
  5. Corebridge GIWL
  6. CICA Life

That way, you can feel confident in finding the best final expense life insurance company that meets your specific requirements.

Next Steps

Final expense life insurance is an important part of financial planning for seniors in Utah. It can help cover the price of a funeral and other end-of-life expenses so that your loved ones are not burdened with these costs.

By researching burial and funeral laws in Utah, understanding sample rates for males and females, and knowing the steps to buy a policy, you can make sure you get the best coverage at an affordable price from one of the top final expense companies.

With proper research and planning, Utah final expense life insurance can provide peace of mind for yourself as well as your family members.

Are you looking for the best solutions to ensure that your loved ones are taken care of after you’re gone? Look no further than iSeniorBenefits.

We provide final expense, Medicare, health and cancer plans designed specifically for seniors so that their families can rest easy knowing they are covered in any eventuality. With our reliable services and competitive rates, we make sure every senior is protected with peace of mind.

Don’t wait another day – contact us now to get started on protecting your family’s future.