Classic sports teams and stadiums, beautiful nature, and some of America’s most historic cities: there’s a lot for seniors to enjoy about living in Ohio. But did you know Buckeye State seniors also enjoy funeral costs well below the national average? The average cost of a funeral in Ohio is $8,016, below the national average of $8,493. However, this is still a major expense, typically expected to be paid up-front, so seniors are turning to burial insurance in Ohio.
Burial insurance is a great way for seniors to cover their funeral, burial plot, cremation, or other end-of-life expenses. Promising affordability and reliable benefits, burial insurance is a great resource for Ohio seniors seeking peace of mind.
If you’re looking for burial insurance, you’re in the right place. Final Expense Benefits is a leading life insurance agency that brokers great rates and coverage for you from over 20 of the best providers on the market.
To learn more about your options for burial insurance in Ohio, call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET. To see how much coverage you could need or how much it may cost, check our customizable funeral cost calculator and free online quoting tool.
Key takeaways
- The average cost of a funeral in Ohio is $8,016, plus burial plot costs, which is a significant expense often due up-front.
- Burial insurance is a great way for seniors to cover funeral expenses.
- Life insurance laws in Ohio help promote a trustworthy market and don’t restrict any options, like in New York.
- Final Expense Benefits works with over 20 of the top burial insurance companies and can help connect you to a great policy.
Average Cost of a Funeral in Ohio
Though the average cost of a funeral in Ohio is below the national average of $8,593, costs continue to rise across the U.S. Your funeral bill will vary depending on your desired type of funeral, memorial services, and more.
Per Funeralocity, average funeral costs in Ohio range from:
- Traditional funeral & burial: $8,016 + $2,449 burial plot cost
- Cremation with traditional funeral service: $5,664
- Direct burial (burial with no funeral service): $4,950
- Direct cremation (cremation with no funeral service): $2,057
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.
Funeral bills are pricey and are often expected to be paid up-front, but cost-conscious seniors have several options to cover them. A type of whole life insurance designed with seniors’ needs in mind, burial insurance is the most reliable, affordable, and accessible option.
Here’s more information about funeral costs in Ohio, how burial insurance can help you, and some of the top Ohio funeral homes:
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Top Funeral Homes in Ohio
Here are some of the most popular funeral homes in Ohio. Contact them for more accurate Ohio funeral cost estimates:
| Funeral Home | Location | Phone Number | Customer Rating |
|---|---|---|---|
|
Ottawa, OH |
5.0 / 5 |
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Sidney, OH |
5.0 / 5 |
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Coshocton, OH |
4.9/ 5 |
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Sidney, OH |
4.7 / 5 |
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Ironton, OH |
4.7 / 5 |
2
Ohio Funeral Cost Breakdown
Funeral costs in Ohio vary by the type of funeral and your preferred services. Traditional funerals are always the most expensive, due to high costs for funeral home rentals, memorial services, caskets, burial plots, grave markers, and more.
If you or loved ones are ever confused about funeral costs, the FTC funeral rule entitles you to a full, itemized cost breakdown from your funeral service provider. Here’s a breakdown of the general costs of a traditional funeral and burial in Ohio:
- Basic services
Basic services costs include the fees for funeral directors and permits that funeral homes charge.
- Transport
Funeral transport fees include the cost of transporting a body from the morgue and the delivery of a casket to the burial location by a hearse. Costs will rise if you require shuttle services for attendees.
- Service preparation
Traditional funerals with a memorial ceremony with a viewing require extensive body preparation, such as embalming, clothing, and makeup.
- Memorial service
Memorial services can be pricey, too. Costs include officiants, decorations, funeral home rentals, flowers, and more. Costs will increase if you have a larger gathering or have it catered.
- Casket
Costs for caskets vary by the quality, construction, and material, but the average wooden casket costs about $3,500.
- Burial plot
Costs for burial plots vary by location. Cemetery plot costs in densely populated cities, like Columbus or Cleveland, are typically much higher than those in rural areas.
Seniors in Ohio can cover these costs and more with a quality burial insurance policy. And you can apply with confidence; Ohio has a few simple laws that help foster trust and transparency in the life insurance process.
Ohio Burial Insurance Laws
Here are Ohio’s burial insurance laws and requirements and how they work:
- Grace period
Ohio state law requires a one-month-long grace period during which new policyholders have flexibility in paying their premiums. This grace period guarantees that new policyholders have an entire month to pay their premiums without risk of the policy lapsing.
- Free look period
Ohio requires that new policyholders be given a 30-day period after receiving the paper copy of their new policy to determine if they want to keep it. They can then cancel the policy without penalty and with a full return of paid premiums.
- Policy loan protections
Most whole life insurance providers allow policyholders to withdraw loan payments against the policy’s benefit payout or earned cash value. Ohio state law offers policyholders several protections should they withdraw policy loans, including an 8% annual interest rate maximum.
- Policy surrender protections
Ohio state law requires life insurance providers offer policyholders several financial and legal protections if they surrender their policy.
- Accelerated benefit definitions
Many policies offer accelerated benefit payout life insurance riders that pay part of the death benefit if the policyholder meets triggering criteria. The most common is if a policyholder is diagnosed with a life-threatening medical condition. Ohio state law defines what conditions qualify for these riders.
Ohio life insurance regulations allow seniors to enjoy an affordable, good-faith market. Here’s more information about seniors’ options for burial insurance in Ohio:
Cost of Burial Insurance in Ohio
A type of whole life insurance designed with seniors in mind, burial insurance is a great way for seniors to secure reliable, lifelong coverage. Also called final expense insurance, burial insurance offers rates locked at policy start, and benefits that grow in cash value and are ideal for covering seniors’ needs.
Thanks to forgiving medical underwriting, seniors in good health can qualify for policies with low rates and no waiting periods. Those with significant pre-existing health concerns may only qualify for pricier guaranteed policies.
We recommend seniors apply early while in good health, so they can secure lower rates. Here’s how much to expect to pay for burial insurance in Ohio:
Rates for $10,000 Burial Insurance in Ohio
One of the best features of burial insurance is its affordability. Here are sample rates for a typical $10,000 burial insurance policy from Mutual of Omaha, one of our top partner 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.
To learn more about your options for burial insurance in Ohio, call Final Expense Benefits. Check our free online quoting tool for an accurate, personalized pricing estimate.
How Final Expense Benefits Helps You Find Burial Insurance in Ohio
Final Expense Benefits partners with over 20 of the top senior burial insurance companies so we can connect you to quality, reliable coverage, no matter your health or budget needs. As a life insurance brokerage, we handle the hardest parts of the burial insurance process for you.
We can help you select a policy from any of our partner providers so you can find the best rates and coverage, and we can help take care of your application. Call us at (866) 786-0725 from the comfort of your home, and we can help you start your application and secure a great policy.
Best Burial Insurance in Ohio
Seniors in Ohio enjoy a choice of any of Final Expense Benefits’ top-rated life insurance partners. We work with only the best life insurance companies, so you know you’re getting great coverage.
Here are some of our top picks for burial insurance in Ohio:
- Aetna Accendo
With simple, relaxed medical underwriting guidelines, Aetna Accendo is a great option for seniors seeking low-cost burial insurance with pre-existing health concerns.
Best for: Seniors with health concerns seeking reliable coverage.
- Americo
Americo life insurance provides great rates and a variety of policies and life insurance riders, perfect for seniors with diverse budgets and needs.
Best for: Seniors in good health seeking coverage on a budget. - Mutual of Omaha
One of our most popular burial insurance partner providers, Mutual of Omaha offers low rates, reliable policies, and acclaimed customer service.
Best for: Seniors seeking reliable coverage at low rates.
Final Thoughts
Burial insurance is a great way for Ohio seniors to cover their funeral costs and other end-of-life expenses ahead of time. These policies provide reliable, affordable coverage and benefits ideal for covering seniors’ needs.
If you’re looking for burial insurance in Ohio or anywhere else in the U.S., Final Expense Benefits has you covered. We partner with over 20 of the top burial insurance providers and can help you find great coverage, regardless of your health or budget.
Call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET to learn more about your Ohio burial insurance options. To see how much coverage you may need and how much it could cost, check our free online funeral cost calculator and quoting tool.
FAQ
How much does a funeral cost in Ohio?
The average cost of a funeral in Ohio varies by funeral type and desired services. Traditional funerals with a burial cost an average of $8,016, plus a typical burial plot cost of $2,449. Check our funeral cost calculator for a personalized estimate.
How can I lower funeral costs in Ohio?
Seniors seeking to lower or cover their funeral costs in Ohio can try government resources, like Social Security and Veterans Affairs reimbursements. Non-traditional memorial services, such as direct burials, green burials, and burial at sea, offer savings as well. However, burial insurance is the most reliable way to cover funeral costs in Ohio.
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 Ohio.
How much is burial insurance in Ohio?
Rates for burial insurance in Ohio vary by the age of the applicant, their health condition, and the policy’s payout value. Monthly rates for a typical $10,000 burial insurance policy range from $30 to $150 monthly for seniors ages 50 through 80. For an accurate, personalized pricing estimate, check our free online quoting tool.