---
title: Final Expense Insurance by State: 2026 Study | Coverfolk
url: https://coverfolk.com/studies/final-expense-by-state
updated: 2026-10-25
---

# Final expense by state, 2026

Seniors, state rules and sample prices, side by side.

[Open 24/7**(888) 635-3511**](tel:+18886353511)

Updated October 8, 2026[Fact checked](/editorial-standards)

The short answer

In a published national sample, a $10,000 final expense policy costs about $41 a month for a 65 year old woman and $54 for a 65 year old man. The price sample is national. What changes by state is how many seniors live there, your free look and grace rules, and the guaranty limit.

## Key facts

* $10,000 at 65: $41 a month for women, $54 for men (national sample).
* Highest share 65+: Maine, 23%.
* Median funeral with burial: $8,300 (2023).
* States and DC in the table: 51.

## How much does final expense cost by age?

National sample, $10,000 whole life final expense, non tobacco

| Age | Women | Men |
| --- | --- | --- |
| 50 | $24 | $31 |
| 55 | $28 | $36 |
| 60 | $33 | $43 |
| 65 | $41 | $54 |
| 70 | $53 | $70 |
| 75 | $71 | $97 |
| 80 | $98 | $134 |
| 85 | $136 | $193 |

Rates valid as of March 9, 2026. Not a quote.

## Final expense facts in every state

Tap a state for its sample rates, rules and help lines.

Final expense facts by state, 2026

| State | People 65+ | Share 65+ | Free look | Grace period | Guaranty limit | Cremation rate |
| --- | --- | --- | --- | --- | --- | --- |
| [Alabama](/states/alabama/final-expense) | 954,174 | 19% | Set by policy | 30 days | $300,000 |  |
| [Alaska](/states/alaska/final-expense) | 109,392 | 15% | Set by policy | 30 days | $300,000 |  |
| [Arizona](/states/arizona/final-expense) | 1,491,455 | 20% | Set by policy | 30 days | $300,000 | 71% to 80% |
| [Arkansas](/states/arkansas/final-expense) | 562,080 | 18% | 10 days | 30 days | $300,000 |  |
| [California](/states/california/final-expense) | 6,525,874 | 17% | 10 days | 60 days | 80% of death benefit, up to $300,000 | 61% to 70% |
| [Colorado](/states/colorado/final-expense) | 980,604 | 16% | 15 days | One month | $300,000 |  |
| [Connecticut](/states/connecticut/final-expense) | 713,331 | 19% | 10 days | Set by policy | $500,000 |  |
| [Delaware](/states/delaware/final-expense) | 227,845 | 22% | Set by policy | 30 days | $300,000 |  |
| [District of Columbia](/states/district-of-columbia/final-expense) | 90,660 | 13% | Set by policy | One month | $300,000 |  |
| [Florida](/states/florida/final-expense) | 5,095,143 | 22% | Set by policy | 30 days | $300,000 | 71% to 80% |
| [Georgia](/states/georgia/final-expense) | 1,765,461 | 16% | 10 days | 30 days | $300,000 | 51% to 60% |
| [Hawaii](/states/hawaii/final-expense) | 311,355 | 22% | 10 days | 30 days | $300,000 |  |
| [Idaho](/states/idaho/final-expense) | 355,488 | 18% | 20 days | 30 days | $300,000 |  |
| [Illinois](/states/illinois/final-expense) | 2,275,118 | 18% | 10 days | 30 days | $300,000 | 51% to 60% |
| [Indiana](/states/indiana/final-expense) | 1,211,748 | 18% | 10 days | 30 days | $300,000 |  |
| [Iowa](/states/iowa/final-expense) | 612,641 | 19% | 10 days | Set by policy | $300,000 |  |
| [Kansas](/states/kansas/final-expense) | 533,818 | 18% | 10 days | 30 days | $300,000 |  |
| [Kentucky](/states/kentucky/final-expense) | 825,907 | 18% | 10 days | 30 days | $300,000 |  |
| [Louisiana](/states/louisiana/final-expense) | 813,800 | 18% | 10 days | 30 days | $300,000 |  |
| [Maine](/states/maine/final-expense) | 329,897 | 23% | 10 days | 30 days | $300,000 |  |
| [Maryland](/states/maryland/final-expense) | 1,099,821 | 18% | 10 days | 30 days | $300,000 |  |
| [Massachusetts](/states/massachusetts/final-expense) | 1,335,891 | 19% | Set by policy | 30 days | $300,000 |  |
| [Michigan](/states/michigan/final-expense) | 1,987,530 | 20% | 10 days | One month | $300,000 | 61% to 70% |
| [Minnesota](/states/minnesota/final-expense) | 1,056,091 | 18% | 10 days | One month | $500,000 |  |
| [Mississippi](/states/mississippi/final-expense) | 529,748 | 18% | 10 days | Set by policy | $300,000 |  |
| [Missouri](/states/missouri/final-expense) | 1,169,151 | 19% | 10 days | 31 days | $300,000 |  |
| [Montana](/states/montana/final-expense) | 241,435 | 21% | 10 days | 30 days | $300,000 |  |
| [Nebraska](/states/nebraska/final-expense) | 348,149 | 17% | 10 days | One month | $300,000 |  |
| [Nevada](/states/nevada/final-expense) | 575,401 | 18% | 10 days | Set by policy | $300,000 |  |
| [New Hampshire](/states/new-hampshire/final-expense) | 303,224 | 22% | Set by policy | Set by policy | $300,000 |  |
| [New Jersey](/states/new-jersey/final-expense) | 1,706,353 | 18% | 10 days | 30 days | $500,000 | 51% to 60% |
| [New Mexico](/states/new-mexico/final-expense) | 429,247 | 20% | Set by policy | Set by policy | $300,000 |  |
| [New York](/states/new-york/final-expense) | 3,756,897 | 19% | 10 days | 31 days | $500,000 | 51% to 60% |
| [North Carolina](/states/north-carolina/final-expense) | 1,980,552 | 18% | 10 days | 31 days | $300,000 | 51% to 60% |
| [North Dakota](/states/north-dakota/final-expense) | 140,276 | 18% | 20 days | 31 days | $300,000 |  |
| [Ohio](/states/ohio/final-expense) | 2,270,899 | 19% | Set by policy | One month | $300,000 | 51% to 60% |
| [Oklahoma](/states/oklahoma/final-expense) | 692,121 | 17% | 10 days | 30 days | $300,000 |  |
| [Oregon](/states/oregon/final-expense) | 850,202 | 20% | Set by policy | 30 days | $300,000 |  |
| [Pennsylvania](/states/pennsylvania/final-expense) | 2,665,449 | 20% | 10 days | 31 days | $300,000 | 61% to 70% |
| [Rhode Island](/states/rhode-island/final-expense) | 220,126 | 20% | 20 days | 31 days | $300,000 |  |
| [South Carolina](/states/south-carolina/final-expense) | 1,079,330 | 20% | 10 days | 31 days | $300,000 |  |
| [South Dakota](/states/south-dakota/final-expense) | 175,872 | 19% | 10 days | 30 days | $300,000 |  |
| [Tennessee](/states/tennessee/final-expense) | 1,274,252 | 18% | Set by policy | One month | $300,000 | 41% to 50% |
| [Texas](/states/texas/final-expense) | 4,365,071 | 14% | Set by policy | One month | $300,000 | 51% to 60% |
| [Utah](/states/utah/final-expense) | 434,798 | 12% | 10 days | 31 days | $500,000 |  |
| [Vermont](/states/vermont/final-expense) | 148,505 | 23% | Set by policy | 30 days | $300,000 |  |
| [Virginia](/states/virginia/final-expense) | 1,550,770 | 18% | 10 days | 31 days | $300,000 |  |
| [Washington](/states/washington/final-expense) | 1,378,357 | 17% | 10 days | 30 days | $500,000 |  |
| [West Virginia](/states/west-virginia/final-expense) | 386,917 | 22% | Set by policy | 31 days | $300,000 |  |
| [Wisconsin](/states/wisconsin/final-expense) | 1,171,332 | 20% | Set by policy | 31 days | $300,000 |  |
| [Wyoming](/states/wyoming/final-expense) | 117,347 | 20% | Set by policy | 30 days | $300,000 |  |

## How we built this study

* People 65+: Census American Community Survey, state population times the share 65 and older.
* Free look and grace period: each state's law, as cited on its Coverfolk state page.
* Guaranty limit: the death benefit limit from the state guaranty association (NOLHGA).
* Cremation rate: Cremation Association of North America. A blank cell means no published number.
* Prices: one published national sample. Real prices depend on age, health and tobacco.

Free to share with a link to this page. More: [final expense rates](/rates/final-expense), [funeral costs by state](/funeral-costs), the [funeral cost calculator](/funeral-cost-calculator) and [final expense insurance](/coverage/final-expense).

## Common questions

How much is final expense insurance by state?

In a published national sample, a $10,000 final expense policy costs about $41 a month for a 65 year old woman and $54 for a 65 year old man. The price sample is national. What changes by state is how many seniors live there, your free look and grace rules, and the guaranty limit.

Which state has the most seniors per person?

Maine has the highest share of people 65 and older in our table, at 23%, from the Census American Community Survey.

What is a guaranty limit?

It is how much of a death benefit your state guaranty association protects if your insurance company fails. In most states it is $300,000.

## Sources

1. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)
2. [2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral)
3. [Census ACS 2024 1 year estimates, table based summary file](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/)
4. [NOLHGA: How You're Protected](https://nolhga.com/policyholders/how-youre-protected/)
5. [Cremation Association of North America: industry statistics](https://www.cremationassociation.org/page/IndustryStatistics)

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