Burial Insurance Ohio Ultimate Guide 2022

Burial Insurance Ohio

Looking for burial insurance in Ohio? Look no further, we have assisted hundreds of Ohio residents to find affordable coverage.

First and foremost, what is burial insurance or cremation insurance? It is life insurance coverage for final expenses also known as whole life insurance. They are just marketing names to make it clear what the product is used for. It provides a quick death benefit payout to your beneficiary when you die within 48 hours.

With this money, your beneficiary can pay the funeral home quickly and stay out of any potential debt that they would be responsible for.

According to cdc.gov

The leading cause of death in Ohio is Heart Disease followed by Cancer, Accidents, Lower Respiratory Disease, Stroke, Alzheimer’s Disease, and Diabetes.

In this guide, we will cover everything you need to know about this coverage in the state of Ohio.

Funeral Costs in Ohio

Quick Tip: to see burial insurance quotes in Ohio and speak with one of our agents fill out the form to your right.

Funeral and burial expenses are the final largest expenses people will leave behind in their lifetime. This is why burial life insurance in Ohio was designed in the first place to protect families against funeral expenses.

The average cost of a funeral varies from state to state. The national average for burial is between $8,000 – $12,000 with inflation that would make it $15,000. This means your family will have to come up with $15,000 or more on average when you die. Do you think they can handle that amount of money? Even if they could do you want them to come out of pocket for it? The obvious answer is no.

Below you will see data on the cost of funeral services this is based on the average funeral cost in ohio. In addition to the average cost of funeral and burial in ohio you will see cremation pricing. You can also obtain a general pricing list from funeral directors at your local funeral home.

They can inform you of the service fee, burial plot and grave markers. Once you know exactly how much your funeral will be this will better assist you with getting final expense life insurance plans with us. Your family will then have the peace of mind they deserve knowing they will not have any loans or credit card debt put on them for paying for your funeral.

Funeral Costs in Ohio Average  
Type of ServiceTypePricing
Cremation DirectNo ceremony or viewing$600 - $4,000
Burial ImmediateNo ceremony or viewing$1,500 - $2,400
Cremation with MemorialService,viewing, and facility fees$2,000 - $4,000
Full Servicefacility fees, embalming, viewing, hearse, & graveside service$6,500 - $10,000


A cremation can be a much more affordable option with a national average of $3,000 – $5,000 with inflation included this would be $8,000 or more.

Furthermore, this is still a big financial strain even if it is more affordable than a traditional burial. Not many people have $8,000 laying around to burn. This is why we have helped so many clients find affordable funeral insurance to cover the costs of their burial so they and their families have peace of mind.

There are also other factors to consider like car payments, unpaid medical bills, mortgage balances, etc.

Ohio Funeral Products & Pricing  
CasketAvailable in a variety of materials & finishes$1,900 - $3,000
Casket RentalMay include cost of alternative container for cremation or burial$900 - $2,000
Alternative ContainersUsed for cremation or eco-friendly burial$300 - $900
UrnFor cremation remains$250 - $500
PlotSingle space for a casket or cremated remains$1,000 - $2,000
Marker for GraveAvailable in a variety of styles & materials$900 - $1,800

This is why when speaking with our agents you are going to want a policy that matches or exceeds the final expenses you calculate for yourself.

Best Burial Inusrance and Life Insurance Company in Ohio American Amicable Example Rates

American Amicable Burial Insurance Rates   
Age$10,000 Coverage Male Non Tobacco Monthly Rate$10,000 Coverage Male Tobacco Monthly Rate$10,000 Female Non Tobacco Monthly Rate$10,000 Female Tobacco Monthly Rate

Burial Insurance Underwriting

Above all, these are simplified issue plans.

What this means is that you will never have to take a medical exam or blood test. The carrier will not make you do a physical or anything like that. They simply want to know your health issues and any prescription medications you may have. They will ask you questions pertaining to your health on their application and do a medical background check and prescription check.

If everything checks out you are approved right there over the phone within minutes. This process is quick and easy and you will have coverage within 30 minutes or less.

Furthermore, our agents are highly trained in the underwriting niches of these carriers. This is why we help 90% of our clients find affordable day one level coverage with no waiting period.

We have helped clients with COPD, CHF, Stroke, Heart Attacks, Heart Surgery, and much more get approved for level coverage. If you have any of these health conditions you may not need to settle for a waiting period. That being said in order to know for sure our agents would have to speak with you directly.


Your prescriptions are another factor however the carrier is only looking for major prescriptions like Donepezil, Emtriva, Nitro, Gabapentin to name a few.

Acceptable Medications Include:

  • Benazepril hydrochloride
  • Captopril
  • Enalapril Maleate
  • Fosinopril sodium
  • Lisinopril
  • Moexipril
  • Perindopril
  • Quinapril hydrochloride
  • Fluvastatin
  • Lovastatin
  • Pravastatin
  • Rosuvastatin
  • Simvastatin

Carriers are very liberal when it comes to medications but make sure you have a list of your medications when you speak with our agents so they can go over them with you and make sure there are no surprises.

Example Health Questions

Here are some example health questions you will see on the application. This is what our agents discuss with you on the call to make sure they get you qualified for the right burial insurance product in Ohio.

Furthermore, these health questions are aimed at time frames. The longer you have had conditions without any incidents the higher your chances are of approval.

Example Questions:

Have you ever been diagnosed with:

  • Cancer
  • HIV or AIDS
  • Diabetic Amputation or Insulin Shock
  • Alzheimer’s Disease or Dementia
  • Permanent Memory Loss
  • Oxygen Tank Usage
  • Currently Hospitalized
  • Terminal Illness

In the past 2 years have you been diagnosed with:

Those are questions that will be on most applications. The carriers look favorably at clients that keep up with their health and how it shows in their medical records. If you manage your conditions well then we will be able to get you the best rate and coverage.

How to Get the Best Life Insurance Company Burial Insurance Ohio?

Getting with the best company is simple.

Work with the experts and that’s us! We help 90% of our clients find day one coverage despite their health conditions. We specialize in burial insurance in Ohio and all 50 states, we have over 20 carriers to choose from. We work with the top A-rated carriers nationwide which is why we guarantee the best coverage and rate available in your state.

Furthermore, our agents become your personal service agents for life. What this means is that they will be on call for you whenever you need them for things like adding more coverage, assisting with claims, helping your family members find coverage, and more.

We pride ourselves on long-standing relationships with our clients and their families. Our agents will hold your hand every step of the way and show you all of the ins and outs of these policies.

Fill out the form to your right to see pricing and get started.

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