Final expense insurance in South Carolina

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 South Carolina, about 55.9% of deaths resulted in cremation as of 2024. Source: SC Department of Public Health – Vital and Morbidity Statistics 2024, Table G-14 (deaths by burial disposition)

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 South Carolina becomes insolvent, the South Carolina Life and Accident and Health Insurance Guaranty Association covers up to $300,000 in death benefits and $300,000 in cash value per insured life. Source: South Carolina Life and Accident and Health Insurance Guaranty Association – FAQs (quoting S.C. Code § 38-29-40)

You have 10 days after receiving a new individual life insurance policy to review it and return it for a refund (20 days when the policy replaces existing insurance; 31 days when sold by a direct response insurer rather than a licensed agent). Source: S.C. Code § 38-63-220 – Required policy provisions

Questions or complaints about an insurer or agent go to the South Carolina Department of Insurance (803-737-6160). Funeral homes are licensed by the South Carolina Board of Funeral Service (SC Department of Labor, Licensing and Regulation).

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