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Looking for the Best Choices in Burial Insurance in South Carolina?

Burial Insurance South Carolina

Are you looking for top-notch burial insurance at a great premium with favorable coverage in the Palmetto State? We have a great fondness for our customers in South Carolina, and we are here to give you the best choices available for Burial Insurance in South Carolina!

At Insurance for Final Expense, our primary goal is to offer the absolute best choices and options in burial insurance to our clients in South Carolina and across many states. Insurance for Final Expense is an industry leader in burial insurance at a reasonably priced monthly rate. 

Although we assist people across many states to get the best burial insurance available, we will focus on beautiful South Carolina in this article.

Please continue to learn some meaningful state-specific health-related statistics involving South Carolina and what makes it an outstanding state to live in or travel to. We will also discuss getting the very best final expense insurance policy in South Carolina and explain how burial insurance can help safeguard you and your family. 

South Carolina state flag

Funeral & Burial Expectations in South Carolina

Every state has specific laws regarding burial and body deposition. Here are the laws and statutes applicable in South Carolina if a person passes away.

You Need a Death Certificate

Death certificates are issued electronically in South Carolina. Suppose a person wants their burial or cremation at a specific funeral home. In that case, the funeral director, designated physician, and embalmer have to fill and submit the certificate online within five days from the person’s death. Your loved ones can also apply for a death certificate at the State or Regional Vital Statistics Office. 

Regulations for Embalming

Though there are no specific embalming laws, state laws permit dry ice or refrigeration for the body.

Burial Requirements

The state doesn’t mandate caskets for burial and allows several materials for cremation. Even if you want a casket, you can buy one from alternate sources than the funeral home. However, state laws are specific about who makes decisions in either case.

The decision lies with you, your surviving spouse, children above 18, parents, siblings, and next of kin in the same order. If a deceased has no family, the court appoints a guardian to decide on the body.

Cremation Requirements

The state laws do not restrict cremation, but they are particular about who can order it. The order goes like this:

  • You, if you sign a cremation authorization form
  • An appointee whom you choose to arrange your cremation
  • Current spouse
  • Adult children
  • Parents
  • Adult siblings
  • Adult grandchildren
  • Legal guardian appointed by the probate court

Life Expectancy in South Carolina

The average life expectancy in South Carolina was 77.0 years (in 2018). In all, South Carolina ranked #43 in average life expectancy across all U.S. states. That was an increase of 0 from 2010 when the average life expectancy was also 77.0 years old.

So South Carolina is in the bottom ten of all U.S. states for life expectancy. Many people ask, “Do these statistics mean that South Carolina residents will pay more for burial insurance than a higher-ranking state?”

Absolutely not! This ranking means nothing when it comes to your final expense insurance policy or rates/coverage therein.

What Are the Average Funeral Costs in South Carolina?

The cost of cremation in SC can range from $795 to $9450, depending on the type of funeral service you want. Here is a breakdown of funeral costs for you:

Service Costs by Type (Statewide Averages)

Service TypeAverage Cost
Direct Cremation$895
Immediate Burial$3,890
Cremation Memorial$1,753
Full Service$4,010

Greenville Funeral Costs

Service TypeAverage CostPrice Range
Direct Cremation$895$855- $4,110
Direct Burial$2,646$1,000-$3,725
Cremation Memorial$1,977$1,395- $3,500
Full Funeral$4,010$2,135- $6,600

Greater Columbia Funeral Costs

Service TypeAverage CostPrice Range
Direct Cremation$995$795-$3,325
Direct Burial$1,900$1,100 – $4,445
Cremation Memorial$1,895$1,300- $2,500
Full Funeral$4,700$2,365- $9,490

How Can You Meet Funeral Costs in South Carolina?

Well, it is needless to say that cost of funeral programs is outrageously high, and if you don’t plan early, you will leave your loved ones burdened with this expense. Here are a few options that can save you and your survivors from the financial grunt of your passing away:

Buy Term Insurance

Term insurance is the least expensive way of paying for your funeral expenses, but it comes with some limitations. The policy works as long as its term, and you have to pass several medical exams to get a new one. This can be an issue as you age because your health may worsen with time, and you have to pay more premiums then.

Choose a Pre-Need Plan

You can also pre-arrange your funeral with the funeral home. But, South Carolina laws allow only licensed funeral directors to offer these plans that involve pre-arrangement and pre-paying your end-of-life costs. But it has some risks, too. What if the funeral home closes down or goes bankrupt? Your loved ones may also end up paying more than what you planned if funeral costs go up over time.

Ask for Government Assistance

Though the federal government offers one-time assistance up to $225 as a part of social security benefits, it isn’t enough to cover the funeral expenses. South Carolina doesn’t provide any aid at the state level, but some counties do for local residents only. 

Buy Burial Insurance

Final expense or burial insurance, South Carolina, is similar to the whole life insurance used to pay your funeral expenses. Your survivors can also use the insurance money to pay off the hospital bills or any outstanding debts you left behind. Some key features of this policy are:

  • The policy never expires if you keep paying the premiums. 
  • You don’t have to pass any medical exam, unlike traditional insurance.  
  • You can accumulate, the tax-deferred cash value
  • Policy available for ages 50-85
  • Coverage ranging from $2000-$50,000

Types of Burial Insurance You Can Buy in South Carolina

  • A level death benefit is available if you have good health. It offers immediate coverage. 
  • Graded benefit policies work for those with minor health issues like high cholesterol or high blood pressure.
  • Guaranteed issue policies are suitable for those with major medical conditions. They come with high premiums and 24-month waiting period. 

What Are the Average Costs of Buying Burial Insurance in South Carolina?

Your age, health status, and gender determine the burial insurance costs in South Carolina. Females and younger people pay lesser premiums. Also, if you want higher coverage, you need to pay higher premiums. Let’s check out some prices here:

Monthly Premium Rates for Men with $5,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$16$20
55$19$24
60$23$29
65$29$35
70$38$44
75$51$63
80$65$82

Monthly Premium Rates for Men with $10,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$30$40
55$35$46
60$43$57
65$56$68
70$74$88
75$100$125
80$126$162

Monthly Premium Rates for Women with $5,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$14$15
55$16$18
60$18$24
65$22$28
70$28$35
75$38$46
80 N/A$64

Monthly Premium Rates for Women with $10,000 Death Benefit

AgeGood Health condition by InsurerNo Health Questions Asked
50$25$28
55$28$36
60$33$45
65$41$55
70$53$69
75$72$90
80$93$126

What Are the Leading Causes of Death in South Carolina?

RankCause of DeathTotal Deaths
1Heart Disease10,418
2Cancer10,365
3Accidents3,147
4Chronic Lower Respiratory Diseases2,983
5Stroke2,691
6Alzheimer’s Disease2,459
7Diabetes1,535
8Kidney Disease950
9Septicemia884
10Suicide838

(Note: these statistics are taken from CDC website and the data is for the year of 2017)

Do You Get a Free Look Period for Burial Insurance in South Carolina?

The state laws allow a free look period of ten days to change your decision after buying the policy. You will get a full refund of the initial premium paid. If your policy comes by mail, you’ll get a 30-day free look period. 

How to Purchase the Best Burial Insurance in South Carolina

It is essential to use care when shopping for Burial insurance in South Carolina. Luckily, at Insurance for Final Expense, we make it an easy process! Don’t spend your valuable time falling into a trap with one of these expensively advertised, high paid spokespeople companies. No! You have come to the right place. We have the best of the best burial insurance companies right here!

When choosing Burial Insurance, it is crucial to work with a licensed, independent agency specializing in burial and final expense insurance.

To find the best choice in burial insurance in South Carolina, you must work with an independent agency representing multiple final expense insurance companies. If you choose one of the big-name advertisers like Colonial Penn or State Farm, you are tied to one product. In contrast, we can give you multiple affordable, excellent burial insurance options.

Working with an independent agency like Insurance for Final Expense is entirely free for you. Unlike working with a captive agent, we, as independent agents, are paid by the insurance companies. It has zero effect on your rates.  If you need help with a guaranteed issue or final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, fill out the quote form on this page, and a licensed agent will be in touch with you promptly.