Final expense insurance in Maine

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 Maine, about 85.1% of deaths resulted in cremation as of 2025. Source: Maine CDC, Data, Research and Vital Statistics: Maine Resident Deaths by Method of Disposition, 2025 (Table D-13; 14,232 cremations of 16,733 resident deaths)

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

You have 10 days after receiving a new individual life insurance policy to review it and return it for a refund (Counted from the date the policy is delivered (24-A M.R.S.A. § 2515-A)). Source: Maine Bureau of Insurance: Life Insurance FAQ

Questions or complaints about an insurer or agent go to the Maine Bureau of Insurance (800-300-5000). Funeral homes are licensed by the Maine Board of Funeral Services (Office of Professional and Occupational Regulation).

Maine's General Assistance program, applied for at your local municipal office, can help pay burial costs for people who do not have the income or resources to meet basic needs. Source: Maine DHHS: General Assistance

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