Final expense insurance in Oklahoma

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 Oklahoma, about 60.8% of deaths resulted in cremation as of 2024. Source: Oklahoma Office of the Chief Medical Examiner, Annual Report 2024 (computed: 26,686 cremation permits ÷ 43,873 deaths reported in Oklahoma)

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

Questions or complaints about an insurer or agent go to the Oklahoma Insurance Department (800-522-0071). Funeral homes are licensed by the Oklahoma Funeral Board.

When someone dies in an Oklahoma county without the money to pay for a funeral, state law makes the county's overseers of the poor responsible for arranging the burial, and in the largest counties public cemeteries must provide the plot at no cost. Source: Oklahoma Statutes, 56 O.S. § 54 (OSCN)

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