Final expense insurance in Michigan

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 Michigan, about 64.5% of deaths resulted in cremation as of 2020. Source: NFDA 2025 Cremation & Burial Report, state table (final 2020 data)

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 Michigan becomes insolvent, the Michigan Life & Health Insurance Guaranty Association covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Michigan Compiled Laws § 500.7704

You have 10 days after receiving a new individual life insurance policy to review it and return it for a refund. Source: Michigan Compiled Laws § 500.4015

Questions or complaints about an insurer or agent go to the Michigan Department of Insurance and Financial Services (877-999-6442). Funeral homes are licensed by the Michigan LARA Board of Examiners in Mortuary Science.

The Michigan Department of Health and Human Services' State Emergency Relief program may help pay for a burial, cremation, or body donation to a medical school when the person's estate and required copayments are not enough; the application must be made within 20 business days after the burial, cremation, or donation. Source: MDHHS State Emergency Relief: Burial

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