50-State Licensing & Consumer Protections
Life Insurance Rates & Guides by State
Life insurance is regulated at the state level in the United States. Select your state below to review statutory free-look periods, state guaranty association limits, local funeral cost averages, and compare quotes from carriers licensed in your jurisdiction.
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Researched by LifePlanQuotes Editorial Team • Verified against NAIC & State Insurance Department Data
AlabamaAL
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,950
Top Metro Guides:
AlaskaAK
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$9,200
ArizonaAZ
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,100
Top Metro Guides:
ArkansasAR
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,600
Top Metro Guides:
Free-Look Period:30 Days
Grace Period:60 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$9,850
Top Metro Guides:
ColoradoCO
Free-Look Period:15 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,600
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$500,000
Avg Funeral Cost:$9,400
Top Metro Guides:
DelawareDE
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,500
Top Metro Guides:
FloridaFL
Free-Look Period:14 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,400
Top Metro Guides:
GeorgiaGA
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,250
HawaiiHI
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$10,200
Top Metro Guides:
IdahoID
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,800
Top Metro Guides:
IllinoisIL
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,900
Top Metro Guides:
IndianaIN
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,900
Top Metro Guides:
IowaIA
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,100
Top Metro Guides:
KansasKS
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,850
Top Metro Guides:
KentuckyKY
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,700
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,200
Top Metro Guides:
MaineME
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,450
MarylandMD
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,800
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$9,600
Top Metro Guides:
MichiganMI
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,200
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$500,000
Avg Funeral Cost:$8,750
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,500
MissouriMO
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,100
Top Metro Guides:
MontanaMT
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,900
Top Metro Guides:
NebraskaNE
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,000
NevadaNV
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,500
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,900
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$500,000
Avg Funeral Cost:$9,500
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,950
Top Metro Guides:
New YorkNY
Free-Look Period:10 Days
Grace Period:31 Days
Guaranty Fund Limit:$500,000
Avg Funeral Cost:$10,100
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,200
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,000
Top Metro Guides:
OhioOH
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,150
Top Metro Guides:
OklahomaOK
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,850
Top Metro Guides:
OregonOR
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,700
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,850
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$9,100
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:31 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,100
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,900
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,850
Top Metro Guides:
TexasTX
Free-Look Period:10 Days
Grace Period:31 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,300
Top Metro Guides:
UtahUT
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$500,000
Avg Funeral Cost:$8,200
Top Metro Guides:
VermontVT
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,750
Top Metro Guides:
VirginiaVA
Free-Look Period:10 Days
Grace Period:31 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,600
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$500,000
Avg Funeral Cost:$9,300
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$7,800
Top Metro Guides:
Free-Look Period:10 Days
Grace Period:31 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,400
WyomingWY
Free-Look Period:10 Days
Grace Period:30 Days
Guaranty Fund Limit:$300,000
Avg Funeral Cost:$8,100
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LifePlanQuotes Editorial & Research Team
Independent Consumer ResourceInsurance Research & Referral Transparency
Our 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.