Not all insurance companies offer final expense coverage in all 50 states. Which companies offer burial insurance in Georgia? How much does the average funeral cost in Georgia compared to the rest of the US? Which companies are the best providers in the Peach State?
Final Expense Benefits provides an overview of state-specific rules, price estimates, and provider recommendations.
Get familiar with what options are available in your state and call us at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET, and get your burning questions about burial insurance in Georgia answered.
Key takeaways
The average cost of a funeral in Georgia is $8,550, a sizable price that could be covered by a high-quality burial insurance plan.
Burial insurance rates for top providers such as Mutual of Omaha, Transamerica, and Aetna Accendo are the same as the national average.
Meanwhile, providers such as American Amicable and Americo offer coverage at lower prices for female applicants.
There are no state-specific laws that would affect your ability to apply for or use final expense insurance.
Average Cost of a Funeral in Georgia
The average prices for a traditional burial and an affordable burial in Georgia are nearly identical to the national average. Additionally, cremation costs in the state are priced slightly higher than the expected norm, while direct cremation is almost 12% cheaper compared to the rest of the U.S.
According to Funeralocity, average funeral costs in Georgia will vary by the type of memorial you want:
- Traditional funeral with burial service: $8,550 + $2,637 (average burial plot cost)
- Direct burial (burial with no funeral service): $2,855
- Cremation with traditional funeral service: $6,339
- Direct cremation (cremation with no funeral service): $2,202
Prices for basic services may vary depending on your location, desired funeral amenities, and more. Check our funeral cost calculator for more information.
Top Funeral Homes in Georgia
Here are some of the most popular funeral homes in Georgia:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
|
Atlanta, GA |
4.7 / 5.0 |
||
|
Crawford, GA |
5.0 / 5.0 |
||
|
Acworth, GA |
4.9 / 5.0 |
||
|
Fayetteville, GA |
4.6 / 5 |
||
|
Cumming, GA |
4.6 / 5.0 |
Georgia Funeral Cost Breakdown
General costs for a funeral in Georgia vary based on several factors, depending on what type of memorial service you want. Traditional funerals are the most expensive due to pricey essentials such as caskets and burial plots. Costs often vary and will affect your funeral cost, some of which include the following:
- Basic Services: includes licensing, funeral director fees, and more.
- Transportation: includes transportation costs from the morgue and for driving caskets in a hearse to the cemetery.
- Service Preparation: includes embalming, an expensive body preparation procedure, necessary for traditional funerals.
- Service: includes costs for officiants and decoration, alongside average funeral home rental fees.
- Casket: will vary widely in price.
- Burial Plot: burial plot costs will vary by location.
Also known as final expense insurance, burial insurance is a type of whole life insurance used to cover funeral, cremation, and many other final expense costs. Typical burial insurance policies don’t require medical exams, accept most applicants regardless of health, and average benefits payouts range from $5,000 to $50,000. Insurers in Georgia do offer burial insurance and do not have any state-specific rules/laws affecting the accessibility to this kind of coverage.
The Free Look Period in Georgia
The free look period is the required time during which a new life insurance policy owner can terminate the policy without any penalties, such as surrender charges, and even receive a refund if a payment was already made during that time. A free look period typically lasts at least 10 days but can be longer depending on insurers’ policies and state laws. This law exists in all states. In Georgia, the free look period must be a minimum of 10 days.
The FTC Funeral Rule in Georgia
Aside from being wary of the free look period for funeral planning, it’s important to keep note of the Federal Trade Commission’s Funeral Rule. The law in question requires funeral homes to provide you with written prices for their products and services upfront. Additionally, the rule allows you to select only what products and services you want from them and grants you the right to reject any prepackaged options presented to you.
How Does Georgia Burial Insurance Compare to National Rates?
Burial insurance in the U.S. varies by state, and in Georgia, final expense coverage is generally available for all ages and cost-accessible compared to the rest of the country.
Final Expense Benefits prides itself on keeping rates transparent and accessible for anyone interested in purchasing coverage. Here are sample rates for Georgia burial insurance for seniors 50 to 80. These rates are calculated for a benchmark $10,000 burial insurance policy from Transamerica, one of our top-rated partner providers:
Sample Burial Insurance Rates in Georgia
| Age | Monthly Rate (Male) | Monthly Rate (Female) |
|---|---|---|
|
50 |
$31 |
$24 |
|
55 |
$36 |
$28 |
|
60 |
$43 |
$33 |
|
65 |
$54 |
$41 |
|
70 |
$70 |
$53 |
|
75 |
$97 |
$71 |
|
80 |
$136 |
$101 |
For $10,000 policies from Transamerica with non-smoking applicants and no pre-existing conditions in the state of Georgia.
Funeral, burial, and cremation processes are similar throughout the US. However, in the state of Georgia, a few matters are managed at the state level such as burial requirements, certain services, death notifications, and more.
Why Choose Final Expense Benefits?
Since 2019, Final Expense Benefits has been dedicated to helping seniors protect themselves and their loved ones with trusted final expense solutions catering to their needs. Ensuring your peace of mind is our top priority—if you’re interested in learning more about burial insurance, check out our online quoting tool or call us at (866) 786-0725, Monday through Friday, 9 a.m. to 5 p.m. ET.
Best Burial Insurance in Georgia
Final Expense Benefits can get you connected with our top-rated life insurance partners to help you find a great burial insurance policy in Georgia.
Check out these companies if you’re looking for quality coverage in the Peach State:
- Mutual of Omaha
Mutual of Omaha has been one of the biggest names in the life insurance industry thanks to their great rates nationwide and exemplary customer service.
- Aetna Accendo
Aetna Accendo offers simple final expense insurance coverage, strong and stable financial backing, and boasts a history of reliable service.
- American Amicable
With over 100 years of service, American Amicable has proven itself as not just a strong choice for seniors but also one of the most smoker-friendly life insurance providers.
- Americo
Americo Financial Life is an industry leader in the burial insurance market and can provide a reliable product for seniors. Regardless of pre-existing conditions or if you’re a smoker, Americo can offer cheap rates for great benefits.
- Transamerica
Transamerica is a large burial insurance provider and a Final Expense Benefits partner. Their policies are reliable burial insurance options for seniors.
Final Thoughts
You don’t have to worry about any major state-specific rules affecting the cost of a burial or how you use your final expense insurance. There are many top-rated final expense coverage providers that offer reasonable rates compared to national averages. And as far as funeral costs go, burials in Georgia nearly match the national average, while cremation prices can be above average or below average depending on the amount of service you’re looking for.
FAQ
Who’s eligible for burial insurance in Georgia?
For most policies in Georgia, burial insurance plans are available to anyone 50 to 85 years old. Basic medical information may be required depending on what kind of whole life insurance you’re seeking.
What does the average funeral cost in Georgia?
The average price for traditional burial and direct burial in Georgia is nearly identical to the national average at $8,550.
What does the average cremation cost in Georgia?
The average cost for a cremation in Georgia is slightly higher than the national average ($6,251) at $6,339. As for direct cremations in the state, those are notably cheaper compared to the rest of the U.S. ($2,202) at $1,940.
What’s the best burial insurance provider in Georgia?
Final Expense Benefits recommends companies such as Mutual of Omaha, Aetna Accendo, American Amicable, Transamerica, and Americo as top burial insurance coverage in Georgia.
What is burial insurance?
Also known as final expense insurance or funeral insurance, burial insurance is a type of whole life insurance that can be used to cover final expenses such as funeral, cremation, and other costs. In the state of Georgia, there are no state-specific rules or laws that would affect you from applying for or using burial insurance for final expense costs.