Final expense insurance in Colorado

NFDA doesn't publish funeral prices by state. Nationally, the median cost of a funeral with viewing and burial was $8,300 in 2023, and $6,280 for a funeral with viewing and cremation. Cemetery costs such as a plot, vault, and headstone are extra, and prices vary widely between funeral homes.

In Colorado, about 77.5% of deaths resulted in cremation as of 2025. Source: Colorado Department of Public Health and Environment, Vital Statistics Program: Deaths by final disposition and county of occurrence, 2025 (deaths occurring in Colorado)

Federal law (the FTC Funeral Rule) requires funeral homes to give you an itemized price list, so you can compare. Estimate your own total with our funeral cost calculator.

If a life insurer licensed in Colorado becomes insolvent, the Colorado Life & Health Insurance Protection Association covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Colorado Life & Health Insurance Protection Association — FAQ

Questions or complaints about an insurer or agent go to the Colorado Division of Insurance (303-894-7490). Funeral homes are licensed by the Colorado Office of Funeral and Mortuary Science Services (Division of Professions and Occupations).

Veterans may qualify for VA burial allowances and a free burial in a national or state veterans cemetery — see benefits for Colorado veterans. A small final expense policy is one way families make sure the rest is covered; learn how final expense insurance works and how guaranteed issue waiting periods work.