California Burial Insurance Quotes & Rates
Burial insurance is a whole life insurance contract specifically chosen to cover traditional ground burial expenses. Traditional burial involves substantial expenses including the casket, cemetery plot, opening and closing fees, burial vault, grave marker, and funeral home viewing ceremonies.
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California Insurance Law Quick Facts
Sample Burial Insurance Rates for California Residents
Sample monthly premiums for non-tobacco policyholders in standard-plus health. Rates locked for the duration of the policy.
| Issue Age | Coverage Amount | Term / Plan Type | Male Monthly | Female Monthly | Action |
|---|---|---|---|---|---|
| Age 55 | $10,000 | Lifetime Whole Life | $32.50/mo | $25.10/mo | Quote Age 55 |
| Age 55 | $20,000 | Lifetime Whole Life | $61.20/mo | $48.00/mo | Quote Age 55 |
| Age 60 | $10,000 | Lifetime Whole Life | $39.80/mo | $30.40/mo | Quote Age 60 |
| Age 60 | $20,000 | Lifetime Whole Life | $76.50/mo | $58.90/mo | Quote Age 60 |
| Age 65 | $10,000 | Lifetime Whole Life | $51.30/mo | $38.20/mo | Quote Age 65 |
| Age 65 | $20,000 | Lifetime Whole Life | $98.40/mo | $74.50/mo | Quote Age 65 |
| Age 70 | $10,000 | Lifetime Whole Life | $71.10/mo | $53.80/mo | Quote Age 70 |
| Age 70 | $20,000 | Lifetime Whole Life | $138.20/mo | $104.90/mo | Quote Age 70 |
| Age 75 | $10,000 | Lifetime Whole Life | $104.60/mo | $79.40/mo | Quote Age 75 |
| Age 75 | $20,000 | Lifetime Whole Life | $202.80/mo | $154.20/mo | Quote Age 75 |
How Burial Insurance Works in California
Burial Insurance in California is regulated under state statutes enforced by the California Department of Insurance. State insurance commissioners oversee insurer solvency, license insurance producers, review policy contract language, and ensure fair claims handling practices.
The California Guaranty Association Safety Net
In California, every licensed life insurance company is required by law to be a member of the California Life and Health Insurance Guarantee Association. If a member insurer ever becomes financially impaired or insolvent, the guaranty fund provides backup protection of up to $300,000 in death benefits and up to $100,000 in net cash surrender values per contract holder.
Funeral & Burial Costs in California
With local funeral and burial costs in California averaging $9,850 (and direct cremation averaging approximately $4,200), California residents frequently choose burial insurance to ensure family members are never forced to pay these costs out of pocket. Individuals planning traditional earth burial who want to prepay or fund cemetery, plot, headstone, and vault costs.
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Compare Burial Insurance Rates in California
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LifePlanQuotes Editorial & Research Team
Independent Consumer ResourceOur research team compiles, verifies, and updates life insurance and final expense information using publicly available statutory data from the National Association of Insurance Commissioners (NAIC) and state departments of insurance. LifePlanQuotes.com is a free consumer referral service. When you call (888) 681-6320, we connect you with independent, third-party licensed insurance agents and carrier representatives in your state to discuss your specific needs and review policy options.
Frequently Asked Questions About Burial Insurance in California
Clear answers to common questions about coverage, underwriting, and rates.