Final expense insurance in Vermont

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 Vermont, about 80.8% of deaths resulted in cremation as of 2024. Source: Vermont Department of Health: Vermont Vital Statistics 2024 Annual Report, Table C-7 (Disposition of Body, Vermont Resident 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 Vermont becomes insolvent, the Vermont Life & Health Insurance Guaranty Association covers up to $300,000 in death benefits and $100,000 in cash value per insured life. Source: Vermont Life & Health Insurance Guaranty Association FAQ

Questions or complaints about an insurer or agent go to the Vermont Department of Financial Regulation (800-964-1784). Funeral homes are licensed by the Vermont Office of Professional Regulation, Funeral Service.

The Department for Children and Families' Emergency/General Assistance program can help pay burial costs for people who lack the income or resources to cover them; apply at a local Economic Services district office, and benefits are paid directly to the vendor. Source: Vermont Department for Children and Families: Emergency/General Assistance

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