United Trust Life — Independent life insurance agency · handled over the phone, no pressure
Free tool

Funeral Cost Calculator

Nobody wants to leave their family a bill on the worst week of their lives. See what a funeral really costs today — and how much final expense coverage would take care of it. Free, no email.

Choose the type of arrangement
Burial with funeral service
Viewing, service, casket, embalming
~$8,800
Cremation with service
Service plus cremation
~$6,500
Direct cremation
No service, simplest option
~$2,500
Add typical extras
Estimated total cost
$8,800
A final expense policy around this amount would cover it — so your family never has to pull from savings or take on debt.
See Final Expense Coverage →

Figures are national-average estimates (based on funeral-industry pricing data) for illustration only — actual costs vary by region and provider, and this is not a quote or advice. A licensed agent can help match a final expense policy to your needs for free.

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Protect your family from the bill.

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Turn the number into real coverage.

You just built the estimate. A licensed United Trust Life agent can tell you what a final expense policy for that amount actually costs — usually with a follow-up within one business day. No pressure, ever.

  • › No medical exam for most final expense coverage
  • › Free & no obligation · handled over the phone
  • › A real licensed agent follows up — not a call center
  • › The calculator above stays free and needs no email

By submitting you agree to be contacted about coverage. No spam, ever. This is not a quote or advice; a licensed agent provides your actual options.

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Questions, answered

Funeral Costs — FAQ

How much does a funeral cost?+

National averages run roughly $8,000-$9,500 for a burial with service, $6,000-$7,000 for cremation with a service, and $2,000-$3,000 for direct cremation. Plots, headstones, and vaults add more. Costs vary by region and provider.

How much final expense insurance do I need?+

Enough to cover your expected funeral and end-of-life costs plus small debts. Final expense policies are commonly $5,000-$50,000.

Is this free?+

Yes — the calculator is free, needs no email, and runs in your browser; nothing is stored. If you want a licensed agent to price real coverage for the amount you land on, there is an optional form further down the page. That part is up to you.

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