Final expense insurance in Utah

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 Utah, about 45.3% of deaths resulted in cremation as of 2025. Source: Utah DHHS IBIS-PH Mortality Query Module, Utah Death Certificate Database (Office of Vital Records and Statistics), deaths by disposition method, 2025 (computed: 9,972 cremations ÷ 21,994 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 Utah becomes insolvent, the Utah Life & Health Insurance Guaranty Association covers up to $500,000 in death benefits and $200,000 in cash value per insured life. Source: Utah Life & Health Insurance Guaranty Association FAQ

You have 10 days after receiving a new individual life insurance policy to review it and return it for a refund (30 days for a replacement policy). Source: Utah Code § 31A-22-423, Policy and annuity examination period

Questions or complaints about an insurer or agent go to the Utah Insurance Department (800-439-3805). Funeral homes are licensed by the Utah Division of Professional Licensing, Funeral Service.

When a body goes unclaimed, the county where it is found must provide a decent disposition at the county's expense; families who cannot pay should contact their county for local indigent burial help. Source: Utah Code § 26B-8-225, Burial of an unclaimed body

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