Seniors in the Great Lakes State enjoy great food, culture, classic sports teams, and much more. However, when planning for final expenses, they won’t enjoy Michigan’s high prices for funerals and cremations. That’s why many seniors are turning to burial insurance in Michigan.
Burial insurance is a low-cost type of whole life insurance designed with seniors in mind. It’s perfect for covering funerals, cremation, burial plots, and other end-of-life expenses. As a leading burial insurance agency, Final Expense Benefits is here to help you connect to over 20 of the top insurers on the market.
To learn more about your options for burial insurance in Michigan, call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. To check how much coverage you may need for your final wishes or to see how much it’ll cost, try our free online funeral cost calculator and personalized quote tool.
Key takeaways
- The average cost of a funeral in Michigan is $8,950, a significant expense often due up-front, plus burial plot costs.
- Michigan seniors can use burial insurance to cover these expenses and more.
- Laws for burial insurance in Michigan promote a trustworthy market and help protect senior consumers.
- Final Expense Benefits works with over 20 of the best senior burial insurance companies and can connect you to a great policy at any budget.
Average Cost of a Funeral in Michigan
Unfortunately for seniors and their loved ones planning for memorials, the average cost of a funeral in Michigan is high: $8,950. Not only is this cost above the national average of $8,593, but it will continue to rise. This estimate doesn’t include the cost of a burial plot, though costs will vary depending on your preferred funeral type, memorial services, and more.
According to Funeralocity, average Michigan funeral costs range from:
- Traditional funeral & burial: $8,950 + $2,502 burial plot cost
- Cremation with traditional funeral service: $6,548
- Direct burial (burial with no funeral service): $5,004
- Direct cremation (cremation with no funeral service): $2,264
These prices are for basic services and may vary depending on your location, desired funeral amenities, and more. Check our funeral cost calculator for more information.
With average funeral costs in Michigan nearing $9,000, seniors on a budget may be scrambling for affordable ways to approach such large costs, often expected to be paid up-front. One of the most effective and reliable methods is burial insurance, a type of whole life insurance designed to cover funerals and more, with seniors’ budget and health needs in mind.
Here’s more information on some of Michigan’s top funeral homes, a breakdown of average funeral costs in Michigan, and how burial insurance can help you:
1
Top Funeral Homes in Michigan
Here are some of the most popular funeral homes in Michigan. Contact them for more accurate Michigan funeral cost estimates:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
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Ishpeming, MI |
5.0 / 5 |
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Negaunee, MI |
5.0 / 5 |
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Charlotte, MI |
4.9 / 5 |
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Union City, MI |
4.8 / 5 |
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Flat Rock, MI |
4.7 / 5 |
2
Michigan Funeral Cost Breakdown
Costs for funerals in Michigan vary depending on your preferred funeral type and memorial services. Because they require funeral home rentals, caskets, grave markers, specialty body preservation services, and memorial officiating, a traditional funeral with a burial is the most expensive funeral type.
Here’s a breakdown of the general costs of a traditional funeral with a burial in Michigan:
- Basic services
Funeral homes charge basic service fees for funeral direction, permits, and more. Basic funeral service fees in Michigan average about $2,282.
- Transport
Transportation fees for funerals include charges for moving a body from a morgue to the funeral home and delivering a casket to a cemetery in a hearse. Average costs are about $915, though they will increase if you require shuttle services for funeral attendees.
- Service preparation
Traditional open-casket memorial viewings require pricey body preservation and preparation, including embalming, clothing, and makeup. These costs average about $1,072 in Michigan.
- Memorial service
Costs for memorial services include fees for officiants, decorations, funeral home rentals and staffing, flowers, and more. Costs average about $1,181, but increase if you host a large, catered gathering.
- Casket
Though the average wooden casket costs about $3,500, these costs will vary by casket construction, material, and quality.
- Burial plot
Burial plot costs in Michigan average about $2,502, but they vary widely by location and the type of plot. They’re typically more expensive in cities, like Detroit or Grand Rapids, than in rural, open areas.
Michigan seniors can cover these costs and more with burial insurance. The right policy can not only cover your last wishes; it can give your loved ones peace of mind. Apply with confidence; Michigan’s simple burial insurance regulations and requirements help protect consumers and provide a healthy, transparent life insurance market.
Michigan Burial Insurance Laws
Here are Michigan’s burial insurance laws and requirements, and how they work:
- Free look period
Michigan state law requires insurers to provide new policyholders a 10-day free look period after receiving a paper copy of their policy to determine if they want to keep it. They can then cancel the policy without any penalties and be given a full refund of any paid premiums or service charges.
- Suicide regulation
Many insurers have a two-year window after a policy is opened in which they can contest the benefit payout if the policyholder dies. They often use this time to investigate claim legitimacy. They can then deny the payout if it meets the criteria listed in the policy’s terms. Michigan state law forbids denying payout during a contestability period if the policyholder dies of suicide.
- FTC funeral rule
Though not specific to Michigan, this nationwide rule initiated by the Federal Trade Commission entitles consumers to a full itemized list of funeral charges. The FTC funeral rule is a great tool for Michigan seniors to ensure they aren’t being overcharged by their funeral service provider.
Michigan has a few other life insurance regulations designed to protect consumers and maintain a good-faith, trustworthy market. Contact an expert Final Expense Benefits representative to learn more about your Michigan life insurance rights or to start your application today. Here’s more information about your options for burial insurance in Michigan:
How Much is Burial Insurance in Michigan?
Also called final expense insurance, burial insurance is the most reliable and affordable way for seniors to secure lifetime coverage for funerals and more. These whole life policies offer rates and benefits locked at the policy start, plus cash value growth that can increase your loved ones’ payout. Benefits payouts are perfect for seniors’ needs, with average burial insurance payouts ranging from around $5,000 to $50,000, plenty to cover funerals and more.
Seniors in good health can take advantage of burial insurance’s relaxed medical underwriting and qualify for great policies with low rates and no waiting periods. Seniors with major pre-existing health concerns may only qualify for pricier guaranteed life insurance policies.
Guaranteed plans cost at least 40% more than comparable policies for healthy seniors. We often recommend that you apply early, while you are in better health and can secure lower rates.
Rates for $10,000 Burial Insurance in Michigan
Burial insurance isn’t just reliable for senior Michiganders; it’s affordable. Here are sample rates for a typical $10,000 burial insurance policy from Mutual of Omaha, one of Final Expense Benefits’ top partnered burial insurance providers:
| Age | Monthly Rate (Male) | Monthly Rate (Female) |
|---|---|---|
|
50 |
$31 |
$24 |
|
55 |
$36 |
$28 |
|
60 |
$44 |
$33 |
|
65 |
$56 |
$41 |
|
70 |
$75 |
$53 |
|
75 |
$100 |
$72 |
|
80 |
$140 |
$98 |
These rates are calculated for a $10,000 burial insurance policy from Mutual of Omaha, using a non-smoking applicant with no pre-existing health conditions.
Call Final Expense Benefits to learn more about your options for burial insurance in Michigan, and check our free online quoting tool for an accurate, personalized pricing estimate.
How Final Expense Benefits Helps You Find Burial Insurance in Michigan
We pride ourselves on partnering with over 20 of the top senior burial companies in America, so that we can connect you to the coverage you need, regardless of your health or budget needs. As a life insurance brokerage, Final Expense Benefits takes care of the hardest parts of the life insurance process for you, and can help you shop for your best rates and coverage from our outstanding life insurance partners.
To start your Michigan burial insurance application, or learn more about how Final Expense Benefits can help you, call us at (866) 786-0725. We can help connect you to reliable, affordable coverage, right from the comfort of your own home. Here’s more about our top picks for burial insurance in Michigan:
Best Burial Insurance in Michigan
Seniors in Michigan can select a policy from any of our top-rated burial insurance partner providers.
We work with only the best life insurance companies and stand by their services, so that you know you are getting the best coverage.
All of our top senior life insurance partners offer quality plans, but here are some of our top picks for burial insurance in Michigan:
- Aetna Accendo
Aetna Accendo is a great choice for seniors thanks to their low rates and reliable life policies, backed by CVS Health. Their simplified medical underwriting guidelines make them a standout for those with pre-existing health conditions.
Best for: Seniors with health concerns seeking reliable coverage.
- Americo
Americo offers low rates and a variety of policies and life insurance riders, perfect for seniors with diverse budgets and coverage needs.
Best for: Seniors in good health seeking coverage on a budget. - Mutual of Omaha
Mutual of Omaha is one of the most popular burial insurance providers for a reason. They offer some of the lowest rates, best customer service, and reliable policies on the market.
Best for: Seniors seeking reliable coverage at low rates.
Final Thoughts
Cost-conscious Michigan seniors should try burial insurance as a way to cover their end-of-life expenses ahead of time. These policies offer senior Michiganders reliable and affordable coverage, regardless of health or budget.
If you’re looking for burial insurance in Michigan, you’re in the right place. Final Expense Benefits is a leading burial insurance brokerage, and we partner with over 20 of the top life insurance companies on the market.
Connect with us today to make a comprehensive plan to cover your final expenses, no matter the budget.
To learn more about your options for burial insurance in Michigan, call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. Check our free online funeral cost calculator and personalized quoting tool to see how much coverage you may need or how much it could cost.
FAQ
How much does a funeral cost in Michigan?
Average funeral costs in Michigan vary by the type of funeral and desired services. The most expensive, traditional funerals, cost an average of $8,950, plus an average of $2,502 for a burial plot. Check our funeral cost calculator for personalized estimates.
How can I lower funeral costs in Michigan?
Senior Michiganders seeking to cover or lower their funeral costs can try government resources and non-traditional memorial services, such as:
- Social Security and military funeral reimbursements
- Direct burials & direct cremations
- Green burials
- Burial at sea
- Scientific body donation
All of these options could help reduce costs, but burial insurance is the most reliable way to cover funeral costs in Michigan.
Can you have a green burial in Michigan?
Green burials are legal in Michigan, though you will likely need to contact your local government and funeral service provider to determine permissible burial types and locations.
What is burial insurance?
Burial insurance is a low-cost type of whole life insurance that offers seniors accessible and reliable coverage. Payouts range from about $5,000 to $50,000, perfect for covering funerals and other end-of-life expenses in Michigan.
How much is burial insurance in Michigan?
Michigan burial insurance rates vary by applicant age and health, policy payout value, and more. Typical monthly rates for a $10,000 burial insurance policy in Michigan range from $30 to $150 monthly for seniors ages 50 through 80. For an accurate, personalized pricing estimate, check our free online quoting tool.