Final expense insurance in Idaho

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 Idaho, about 70.9% of deaths resulted in cremation as of 2024. Source: Idaho Department of Health and Welfare, Bureau of Vital Records and Health Statistics: Idaho Vital Statistics Mortality 2024, resident deaths by disposition method (report's percent, excluding other/unknown)

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

You have 20 days after receiving a new individual life insurance policy to review it and return it for a refund (Also applies to annuity contracts.). Source: Idaho Code § 41-1935 (Twenty day free examination)

Questions or complaints about an insurer or agent go to the Idaho Department of Insurance (800-721-3272). Funeral homes are licensed by the Idaho Board of Morticians (Division of Occupational and Professional Licenses).

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