Final expense insurance in Oregon

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 Oregon, about 80.8% of deaths resulted in cremation as of 2024. Source: Oregon Health Authority, Center for Health Statistics: Deaths by disposal of remains and county of residence, Oregon occurrences, 2024

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

Questions or complaints about an insurer or agent go to the Oregon Division of Financial Regulation (888-877-4894). Funeral homes are licensed by the Oregon Mortuary and Cemetery Board.

When a person dies with no insurance or other means to pay and no family member arranges or pays for disposition within 10 days, the funeral home carries out the least costly lawful burial or cremation and the Oregon Mortuary and Cemetery Board reimburses it. Source: Oregon Revised Statutes 97.170

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