How to Get Final Expense Insurance & Burial Insurance in Kentucky?

burial insurance Kentucky

Are you looking for an affordable burial insurance policy in the Bluegrass State of Kentucky without being a policy genius? We love our Kentucky clients and are here to help with just that, low-cost, high quality final expense insurance! 

At Insurance for Final Expense, that’s all we do. So, we are experts in getting our customers the best of the best in burial insurance at a monthly cost that won’t break the bank… 

Always keep in mind that we can help people across many states to get the premier final expense insurance that we offer. In this article, we will focus on Kentucky.

In this article we will provide you with some important state specific stats about Kentucky, along with the many things that make Kentucky such a wonderful place to live/visit. We will also let you know how to find the best final expense insurance policy in Kentucky and assist you in truly understanding just how burial insurance can help protect you and your family.

Final expense insurance Kentucky -State Flag

What Are the Leading Causes of Death in Kentucky?

The average life expectancy in Kentucky was 75.3 years (in 2018). In all, Kentucky ranked #48 in average life expectancy. That was an increase of 0.4 from 2010 when the average life expectancy was 76.0 years old.

Some of the leading causes of death in Kentucky are:

Rank Cause of Death Total Deaths
1 Heart Disease 10,343
2 Cancer 10,145
3 Chronic Lower Respiratory Diseases 3,480
4 Accidents 3,264
5 Stroke 2,050
6 Alzheimer’s Disease 1,765
7 Diabetes 1,474
8 Kidney Disease 1,024
9 Septicemia 979
10 Flu/Pneumonia 934

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


Septicemia is something we typically don’t see on the top ten causes of death for a state.

So Just What is Septicemia?

Septicemia is an incredibly serious bloodstream infection. It’s also known as blood poisoning. It happens when a bacterial infection in another part in the body, like the lungs or skin, enters the bloodstream.

This is do very dangerous because the bacteria and their toxins can be carried through the bloodstream to your entire body. Septicemia can quickly become life-threatening. It must be treated in a hospital. If left untreated, septicemia can progress to sepsis. Septicemia and sepsis aren’t the same. 


Sepsis is a serious complication of septicemia. Sepsis causes inflammation throughout the body. This inflammation can cause blood clots and block oxygen from reaching vital organs, resulting in organ failure. The National Institutes of Health estimates that over 1 million Americans get severe sepsis each year. Between 28 and 50 percent of these patients may die from the condition.

Funeral & Burial Regulations in Kentuck

There are some regulations about funerals, cremations, and burials in Kentucky. They include:

You Need a Death Certificate

Kentucky Electronic Death Registration System records the death instances in the state. The process works in two parts, where the funeral director fills some parts of the death certificate and sends to the medical examiner online or in a printed format.  

In the second part, medical examiner completes and resubmits the certificate to the funeral director, within five days from the death.

Embalming and Refrigeration 

The state has no specific laws to govern these processes. 


Though Kentucky has no regulations or rules for burying the deceased in a vault or casket, check with the cemetery to either choose one. But, laws state that final depositions can be made by:

  • The spouse
  • Agent named in a legal declaration
  • Surviving parents
  • Adult children or grandchildren
  • Next of kin or siblings
  • Anyone who has a prepaid funeral plan after contacting all the above people

Cremation Rules

For cremation in Kentucky, the county’s coroner, where the deceased passed away, issues a permit to grant authorization. After cremation, the state allows you to preserve or scatter the ashes in a niche, grave, crypt, permitted private land, or designated scattering areas. 

The Average Funeral Cost in Kentucky

The average costs of a funeral in Kentucky go around $7353. As a starting price, it includes vault and casket, while additional expenses flowers and transportation add on.


Service TypeAverage CostPrice Range
Direct Cremation$1,450$1,375 – $1,590
Immediate Burial$2,795$2,495 – $3,995
Cremation Memorial$4,595$3,975 – $8,995
Full Service$5,695$2,795 – $7,450


Service TypeAverage CostPrice Range
Direct Cremation$1,275$1,250 – $1,300
Immediate Burial$2,375$1,995 – $4,050
Cremation Memorial$3,895$3,495 – $4,750
Full Burial$6,575$5,715 – $9,040


Service TypeAverage CostPrice Range
Direct Cremation$1,745$1,600 – $1,875
Immediate Burial$2,750$1,600 – $6,470
Cremation Memorial$3,245$2,425 – $9,945
Full Burial$7,275$6,250 – $16,375

What Can Help You With Funeral Costs in Kentucky?

A funeral can be costly, especially when someone passes away unexpectedly. But, there are some insurance options to tide you over the testing times with financial support. Here, they are:

Term Insurance

You can purchase term insurance for a limited period of 10, 20, or 30 years. However, the coverage expires with the term, and you have to apply for a new policy, probably at much higher premiums. 

Pre-Need Insurance Plans

With pre-need insurance, you can plan your funeral and pay for all the costs. Firstly, find the best funeral home for your money as it directly goes to the funeral director. You can pay the amount in a lump sum or choose monthly installments. However, ask these questions before finalizing anything with the funeral director. 

  • What will happen to your money if the funeral home closes down?
  • Will your beneficiary get a refund if you die in another state?
  • What happens to the interest on your money?
  • What if you change your mind about the policy?

Government Aid

Although Kentucky has no statewide funeral assistance, some counties offer it at the local levels. You will get aid up to $1000 from the government. 

Final Expense Insurance

Burial insurance laws in Kentucky

Final Expense Insurance in Kentucky is a simple, genuine policy option for those who don’t want to leave an unbearable financial burden for their families when they pass. Burial Insurance policies are simply small face value whole life policies designed to cover your final expenses.

Here is what you can expect from burial insurance in Kentucky when you work with Insurance for Final Expense:

  1. Locked Premiums
  2. Your Death Benefits Will Not Decrease
  3. There is No Policy Expiration Because of your Age 

After approval, you’ll be protected on the day of your first payment (unless underwriting imposes a two-year waiting period for serious health issues). Oftentimes, we come across seniors who prefer to pay at the beginning of the month due to social security payments.

We can post-date your first payment. However, your coverage will not begin until that first payment. That is no reason to put plans off. It is much better to get approval today, even if your budget doesn’t allow for same-day payment.

What Are the Average Rates for Final Expense Insurance in Kentucky?

Due to nationwide coverage, the costs of final expense insurance in Kentucky can vary from $10,000 to $20,000 or more. Monthly premiums offered by burial insurance carriers are equal in all states, outside of Montana which has same sex rates). Kentucky residents, while at #48 statewide, are treated the same as all US residents.

Your age and health will play a factor in obtaining great low-cost affordable insurance. But, it’s not as much as you may think. We urge you to be proactive now! After all, this effects how your family will be able to carry out your wishes gracefully without financial stress upon them.

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

AgeIn Good HealthNo Health Questions
Estimated rates are not the Rates of any particular life insurance company.

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

AgeIn Good HealthNo Health Questions
Estimated rates are not the Rates of any particular life insurance company.

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

AgeIn Good HealthNo Health Questions
Estimated rates are not the Rates of any particular life insurance company.

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

AgeIn Good HealthNo Health Questions
Estimated rates are not the Rates of any particular life insurance company.

What Is a Free Look Period?

Kentucky offers 10-day free look period before signing an insurance policy. You will get full refund of your payments if you change your mind within these ten days. In case of a replacement policy, Kentucky allows additional 20 days as free look period. 

Are There Any Conditions to Qualify for Funeral Insurance in Kentucky?

For burial insurance in Kentucky, the carriers ask few to no health questions. The questions are mostly related to serious and long-term illnesses. So, if you are a healthy senior, you have nothing to worry about qualification. For others, there are guaranteed acceptance issue plans that accept everyone, at a slightly higher price.

How Can You Find the Best Burial Insurance in Kentucky

Average funeral cost in kentucky

There are 3 main components/questions to consider when choosing the final expense insurance in Kentucky that best suits your needs.

  1. Is the insurance company financially stable?
  2. Does your coverage require a waiting period?
  3. Do they offer excellent rates compared to other burial insurance companies?

Guess what? We already have a number of policies and carriers that come with an answer to all three of these questions. Rather than spending endless hours searching captive agencies or haggling with door to door salespeople, we have it all here, in one place!

All you need to do is fill out the final expense insurance quote form on our website, and you can review and compare rates and carriers. The cost of insurance over the policy can be significant, and the benefits provided are important to your survivors. You should determine what you need.

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, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.