Summary of article: Burial insurance in Michigan is a small life insurance policy ($5,000-$25,000) that covers funeral costs averaging $7,000-$12,000 in Michigan. No medical exam is required, and funds are available within 24-48 hours of a claim. With affordable monthly premiums of $20-$100, it's particularly popular among those over 50, ensuring families can focus on grieving rather than financial stress when final expenses arise.
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Let's be honest, nobody wants to think about their funeral. But if you're like most people in Michigan, you've probably worried about leaving your family with a big bill when you're gone. You're not alone in thinking about this. A few years ago, 23% of Americans reported considering life insurance specifically for burial and final expense coverage. That's where burial coverage or final expense insurance comes in, and it might be more important than you think.
Think of burial insurance as a small life insurance policy (99% of the time a whole life) that's specifically meant to cover your final expenses. We're talking about funeral costs, burial or cremation, maybe a headstone, all those things that add up fast when someone passes away.
The good news is that getting burial insurance is way easier than traditional life insurance. Most of the time, you don't need a medical exam or even answer a bunch of health questions. You can usually get anywhere from $5,000 to $25,000 in coverage, and once you have it, it's yours for life as long as you keep paying the monthly premium.
Your family can use the money for whatever they need. A majority of the time, this means charges of the funeral home, cemetery costs, flowers, or even paying off some of your remaining bills. It's their call.
Here's the thing that might shock you.. funerals in Michigan aren't cheap. We're talking about $7,000 to $12,000 for a basic funeral, and that's before you add in burial costs, which can tack on another few thousand dollars. If your family wants something a bit nicer or more personalized, you could easily be looking at $15,000 or more.
This is why the burial insurance market has been growing steadily – it was worth $69.6 billion in 2022 and is projected to reach $92.6 billion by 2030. More families here in the state are realizing they need this protection. Also, realize these plans aren’t just for older individuals; parents are increasingly purchasing them for their children as well.
Now, Social Security does give families a death benefit, but it's only $255. That barely covers the flowers, let alone everything else. I've seen too many Michigan families scramble to put together money for a funeral, sometimes going into debt or starting GoFundMe pages just to give their loved one a proper send-off.
Get Your Free Burial Insurance Quote in Michigan Today!
I can think of no one who wants their kids or spouse dealing with money stress while they're grieving. That's really what burial insurance is about, making sure your family can focus on saying goodbye instead of figuring out how to pay for everything.
When you have Michigan burial insurance, typically the family can receive the funds quickly. No waiting around, no complicated paperwork besides of course submitting the death benefit.
One thing that surprises people is how affordable burial insurance in Michigan can be. Most folks pay somewhere between $20 and $100 a month, depending on their age and how much coverage they want. And here's the best part, once you get approved, your rate usually stays the same forever, depending on the plan chosen.
Here in Michigan, you can get burial insurance even if you have health problems. The insurance companies understand that folks might have some medical issues, so they've made these policies much more accessible than regular life insurance. Heck, we even have policies that don’t require any health questions.
Money is important, but there's something to be said for just knowing your family won't be stuck with bills when you're gone. I've talked to people who sleep better at night knowing they've got this covered.
It's not about being morbid or pessimistic, it's about being practical. As an insurance agent, I realize life happens to all of us eventually, and having a final expense policy means you're taking care of your family one last time. You're making sure that when people think about you after you're gone, they're remembering the good times, not stressing about funeral bills.
Additional Reading - https://sites.google.com/view/michigan-insurance-agent/how-much-does-life-insurance-cost-in-michigan
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Updated 5/26/2025