The average funeral with a viewing and burial costs between $8,000 and $12,000 in 2026. Cremation is less expensive but still runs $4,000 to $7,000 when you include a memorial service. These numbers don't include the cemetery plot, headstone, or flowers — which can add another $2,000 to $5,000.
The funeral home's basic services fee covers staff, facilities, and coordination and typically runs $2,500 to $3,500. Embalming and body preparation costs $700 to $1,200. The casket is often the single largest expense, ranging from $2,000 to $10,000. Transportation adds $300 to $800. The burial vault required by most cemeteries costs $1,000 to $3,500.
Beyond the funeral itself, families face additional expenses. Death certificates cost $10 to $30 each, and you'll need multiple copies. Outstanding medical bills from a final illness can arrive weeks after the funeral. Lost income during the family's grieving period adds financial pressure.
When someone passes away unexpectedly, their family has to come up with thousands of dollars within days. Many families don't have that in liquid savings. The result is credit card debt, borrowed money, or a funeral that doesn't honor the person's wishes.
Final expense insurance is designed specifically to cover these costs. Policies typically range from $5,000 to $25,000 in coverage, with monthly premiums as low as $20 to $50. Many plans require no medical exam and offer guaranteed acceptance for ages 50 to 85. The benefit is paid directly to your beneficiary within days of filing a claim.