Final expense insurance in Hawaii

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 Hawaii, about 76.9% of deaths resulted in cremation as of 2023. Source: State of Hawaii Data Book 2024 (DBEDT), Table 2.21 Deaths by Method of Disposition, from Hawaii Department of Health records (deaths occurring in Hawaii; 9,832 cremations of 12,784)

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 Hawaii becomes insolvent, the Hawaii Life and Disability Insurance Guaranty Association covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Hawaii Life and Disability Insurance Guaranty Association — FAQ

You have 10 days after receiving a new individual life insurance policy to review it and return it for a refund (Applies to individual life policies; the insurer may deduct actual medical exam costs if the policy says so.). Source: Hawaii Revised Statutes § 431:10-214 (Right to return policy)

Questions or complaints about an insurer or agent go to the Hawaii Insurance Division, Department of Commerce and Consumer Affairs (844-808-3222).

Veterans may qualify for VA burial allowances and a free burial in a national or state veterans cemetery — see benefits for Hawaii 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.