Final Expense Life Insurance in Michigan | What to Know

The Insurance Pros

15 years ago

Final Expense Planning in Michigan: Are You Financially Prepared?

Planning for end-of-life expenses isn’t just responsible, it’s essential. Whether you’re thinking ahead for yourself or a loved one, understanding the real costs of a funeral in Michigan and how final expense insurance works can bring both clarity and peace of mind.

💸 What’s the Average Funeral Cost in Michigan in 2025?

The most recent data from the National Funeral Directors Association (NFDA) shows that funeral costs in Michigan vary significantly based on the type of service:

Traditional burial: $5,000–$9,000+
Direct cremation (no service): ~$2,246
Cremation with service: $6,000–$7,000+

Prices can vary by city and service provider. Always request a General Price List (GPL), which is required by law under the
FTC Funeral Rule.

🪦 Common Final Expenses to Plan For

Funeral and burial costs can include:

Casket or cremation urn
Burial plot or interment fees
Headstone or memorial marker
Funeral home preparation & embalming
Transportation and funeral service costs
Death certificates, obituary, printing

Extras like flowers, music, or receptions can easily add several hundred or even thousands of dollars.

📊 Download the Michigan Final Expense Infographic

Visual Guide: Get a free printable infographic outlining average funeral costs and what final expense insurance can cover in Michigan.📥 Download the Final Expense Infographic (PDF)

🛡️ Final Expense Life Insurance: A Simple Way to Protect Your Family

Final expense insurance, also known as burial insurance, is a type of whole life policy designed to pay for funeral and related costs. It’s especially useful for seniors or those who want affordable, no-hassle coverage.

Here’s what to know:

Coverage amounts: $5,000–$50,000
Typical cost: $30–$70/month for a $10,000 policy (varies by age & health)
No medical exam: Most policies are simplified issue
Quick approvals: Often within a few days

These plans can also cover unpaid medical bills, credit card debt, or legal costs left behind.

🚫 Watch Out for “Government-Backed” Final Expense Ads

Reminder: Final expense plans advertised as “state-regulated” or “government-backed” are typically private insurance—not official government programs. These ads often aim to collect your information for sales calls.

Always verify the insurance provider and review the policy before signing up. A trusted local agent can help clarify your options and walk you through the process.

📞 Ready to Get a Final Expense Quote?

If you’re unsure how much coverage you need or what type of policy is best, we can help. Now is the moment to act, whether you’re helping a family member or making plans for yourself.

📋 Get a Michigan Final Expense Insurance Quote

Or call us directly at (248) 888-1134 for a free, no-pressure consultation.