Burial Insurance NY (New York Companies)

Yes, you can get affordable burial insurance in NY. What you need to do is work with an independent life insurance brokerage like us to shop for the best companies available to you. Burial insurance is final expense insurance which is a small whole life insurance policy between $2,000 – $40,000 in face amounts.

Final expense life insurance is designed specifically to cover burial, cremation, and other end-of-life expenses. Now New York can be limited in their selection of final expense insurance companies. In this article, we will go over the benefits of final expense insurance as well as the final expense insurance companies available in New York and much more.

Burial Insurance in New York 5 Life Insurance Companies

Final expense burial insurance can be scarce in New York there are not a lot of life insurance options when it comes to burial insurance in New York but some of the best top-rated life insurance companies nationwide are available. These are top rated burial insurance carriers available to New York residents.

The following burial insurance carriers are available in New York.

Transamerica Burial Insurance Immediate Solutions Product

Gerber Life Insurance Company Guaranteed Acceptance Product

  • Gerber Life Insurance policies offer whole life insurance at coverage amounts between $5,000 – $25,000.
  • It is available for ages 50 – 80.
  • There is a 2-year waiting period for the burial insurance benefit.

Prosperity Life Group New Vista Level Product

  • Prosperity Life burial insurance offers whole life insurance coverage amounts between $1,500 – $35,000.
  • It is available to ages 50 – 80.
  • No waiting period.

Columbian Financial Group Dignified Choice Elite Product

  • Columbian Financial burial insurance product offers funeral insurance coverage amounts between $2,500 – $35,000.
  • It is available for ages 45 – 85.
  • No waiting period.

Royal Arcanum

  • Royal Arcanum life insurance product offers funeral insurance coverage amounts between $2,500 – $50,000.
  • It is available for ages 20 – 85.
  • No waiting period.

Our top recommendations for a burial insurance policy depending on your health and the underwriting would be either Transamerica life insurance company or Royal Arcanum. Now remember to get a life insurance policy with most of the carriers above except Gerber there will be medical underwriting for these insurance policies.

In addition to the medical history check the burial insurance carrier will perform they will also check your prescription history to make sure it matches your answers to their health questions on the application. If everything checks out they will approve and issue the burial insurance to help your loved ones pay for your funeral when the time comes.

When it comes to burial insurance you do not ever want to pick a policy that is guaranteed issue. That type of guaranteed acceptance insurance should always be a last resort if your health conditions do not qualify for immediate burial insurance benefits. If you have cancer, HIV, Organ Transplant, or diabetic amputations then a guaranteed issue policy like Gerber is your only option in New York.

Guaranteed issue life insurance should only be purchased if you cannot qualify for anything else.

Final Expense Insurance in NY Benefits

All life insurance for end of life expenses should have the same benefits with the policy to guarantee it will pay the funeral expenses.


  • Level Premiums that never increase.
  • Death benefit that never decreases.
  • Cash Value that builds in the policy over time.

If the type of life insurance you are looking into does not have these benefits do not buy it because it will not guarantee your funeral expenses to be paid. This puts your family at risk for the funeral costs when you die.

Funeral Insurance in New York Waiting Period vs Non Waiting Period

It is important to understand the difference between the graded and level benefits of life insurance for burial in New York. If you do purchase guaranteed acceptance life insurance in New York you will have to wait 2 years before your family receives the death benefit. Now the policy will still build cash value and have the other benefits with it however if you are fairly healthy do you need to really settle for that?

The answer is no, you want to apply for coverage with health questions so if you pass the underwriting your family will receive that death benefit within 2 years of your purchase if you die. This is something to always watch out for when shopping for life insurance to cover burial. If you are pitched a product and were not asked any preliminary health questions beforehand and were told acceptance is guaranteed. You should step back if you are healthy and look for something with medical underwriting.

The goal is to find an immediate product, not a graded product. A graded product is the type of product that will make your family wait to receive the death benefit. An immediate product will pay the death benefit to your family right away if you die. Keep this in mind when shopping for life insurance for a funeral in New York.

We help 90% of our clients with moderate health issues get approved for coverage with immediate death benefit.

Funeral Cost in New York Average

Statistics taken from the NFDA report that burial services in New York average $8,093 and $7,463 if it is a cremation.

This is why having a sufficient amount of life insurance coverage for these expenses is so crucial to protecting your family’s income. If they have to pay for your funeral out of pocket this can drastically hurt them financially and no one should have to go through such a difficult time. This is why a whole life policy to cover a funeral is the best option for you and your family. Insurance plans travel with you wherever you go whether you die outside of state the whole life policy will pay the benefit to your family and they can bury in that state or transfer you back home.

Insurance plans are designed to provide that peace of mind for your loves ones so they do not have to pay for that funeral putting themselves in debt. Insurance plans are designed for the unexpected and the cost of a funeral today is significant and has a drastic impact on the people paying for the funeral.


In conclusion, if you live in New York get some coverage to pay for the expenses of your death so your family does not have to pay it themselves. Go for a policy with health questions if you know you are in good or moderate health and we will help you. Planning ahead is crucial especially when you are reaching a higher age range and your time is coming.