---
title: Is there cremation insurance | Coverfolk
url: https://coverfolk.com/answers/cremation-insurance
updated: 2026-10-08
---

# Is there cremation insurance?

Updated October 8, 20264 sourcesCoverfolk team[Fact checked](/editorial-standards)

The short answer

Yes, in a way. Funeral insurance, also called funeral expense life insurance, can be bought to pay for a cremation, and any life insurance payout can also be used for it.

Washington State says funeral insurance is life insurance you buy to pay for your funeral or cremation. Payouts are often $5,000 to $25,000.

With standard funeral insurance, the money goes to your beneficiary. They can use it for the cremation, bills, or debts.

Pre need insurance pays the funeral provider you pick. It can lock in today's prices. Texas warns it can cost more than other life insurance, and you might pay more in premiums than it pays out.

Cremation is now more common than burial. The NFDA projected a 63.4% cremation rate in the US for 2025.

The FTC Funeral Rule says no law requires a casket for cremation. A funeral home that offers cremation must offer a simple container, and you can choose direct cremation.

* Standard funeral or final expense insurance
* Pre need funeral insurance
* Regular term or whole life
* Savings set aside for final costs

## More questions

### Can I get cremation prices by phone?

Yes. Under the FTC Funeral Rule, funeral homes must give prices over the phone if you ask.

### What if I die before my pre need plan is paid off?

Texas says many policies will not pay the full cost if you die before paying a required amount.

## Words to know

[Beneficiary](/glossary)
:   The person you name to get the death benefit when you die. You can name more than one.

[Premium](/glossary)
:   The amount you pay an insurance company for your policy.

## Sources

1. [Washington Insurance Commissioner: Funeral insurance](https://www.insurance.wa.gov/insurance-resources/life-insurance/funeral-insurance)
2. [Texas Department of Insurance: Life insurance guide](https://www.tdi.texas.gov/pubs/consumer/cb018.html)
3. [FTC: The FTC Funeral Rule](https://consumer.ftc.gov/articles/ftc-funeral-rule)
4. [NFDA: 2025 Cremation and Burial Report](https://content.nfda.org/news/media-center/nfda-news-releases/id/9786/nfda-releases-2025-cremation-burial-report-comprehensive-insights-to-guide-the-future-of-funeral-service)