As a New Jersey resident, you've worked hard your entire life to provide for your family. Now, it's time to ensure they're protected from the financial burden of funeral expenses. The average funeral cost in New Jersey is $9,443, and depending on the type of casket and how elaborate the service will be, it will cost between $4,397 and $13,243. That's a significant expense for your loved ones to handle during an already difficult time.
Burial insurance provides New Jersey seniors with an affordable way to plan ahead and spare their families from unexpected costs. With coverage amounts ranging from $5,000 to $25,000, you can choose a policy that fits your needs and budget. Best of all, most New Jersey seniors qualify quickly with no medical exam required.
Whether you're planning for a traditional funeral in Newark, a cremation service in Jersey City, or burial at one of the Garden State's many beautiful cemeteries, having the right coverage ensures your final wishes are honored without burdening your family financially.
Why New Jersey Seniors Choose Burial Insurance
More than 1.5 million New Jersey residents are over age 65, and the proportion of New Jersey's population aged 65 years and over increased 31% between 2010 and 2023. As our state's senior population continues to grow, more families are discovering the peace of mind that burial insurance provides.
Protection Against Rising Funeral Costs: The prices for any kind of burial in New Jersey are significantly more expensive than the rest of the US, ranging from around 9-13% higher than the average national cost. Burial insurance locks in your coverage amount today, protecting your family from these escalating costs.
No Medical Exam Required: No medical exam is required, and some plans offer guaranteed approval. Whether you're a healthy 60-year-old or have health concerns at 80, there are coverage options available for you.
Quick Approval and Payout: The payout of the death benefit is extremely fast (usually less than 48 hours upon claim approval). Your beneficiaries receive funds quickly when they need them most, allowing them to focus on honoring your memory rather than worrying about expenses.
Flexible Use of Funds: While designed for funeral expenses, your beneficiaries can use the death benefit for any purpose - burial plot costs, cremation services, outstanding medical bills, or other final expenses. The choice is theirs.
Coverage Options in New Jersey
New Jersey seniors have several coverage options to choose from based on their needs and budget. Here's how different coverage amounts can help protect your family:
| Coverage Amount | Best For | Monthly Premium Range |
|---|---|---|
| $5,000 | Basic cremation, simple services | $30 - $60/month |
| $10,000 | Traditional funeral, burial plot | $55 - $110/month |
| $25,000 | Full funeral, final expenses, debts | $125 - $250/month |
A $5,000 burial insurance policy is ideal if you're planning a simple cremation or have some savings set aside. The average price of a funeral in New Jersey is around $7,000 to $10,000 depending on the services chosen, so this amount covers basic services.
Many New Jersey seniors choose a $10,000 burial insurance policy as it provides enough coverage for a traditional funeral service and burial. This amount accounts for funeral home services, casket, burial plot, and other essential expenses without leaving a financial burden on your family.
For comprehensive coverage, a $25,000 final expense plan ensures all funeral costs are covered plus outstanding debts, medical bills, and other final expenses. This gives your family true financial peace of mind.
How to Qualify for Burial Insurance in New Jersey
Qualifying for burial insurance in New Jersey is straightforward and accessible for most seniors. Here's what you need to know:
Age Requirements
Most burial insurance policies in New Jersey are available to residents aged 50-85. Whether you're looking for burial insurance for 60-year-olds, coverage for seniors over 70, or final expense insurance for 80-year-olds, there are options available for you.
Coverage is usually best suited for people ages 50 to 85, and the sooner you apply, the lower your monthly premiums will be. Age is one of the primary factors in determining your rate, so don't wait to protect your family.
No Medical Exam Required
One of the biggest advantages of burial insurance is that no medical exam is required, and some plans offer guaranteed approval. You won't need to schedule a physical examination, provide blood samples, or undergo lengthy medical testing.
Even if you have health conditions like diabetes, heart disease, or high blood pressure, you can still qualify for coverage. Our no medical exam burial insurance policies make it easy for New Jersey seniors to get the protection they need.
Simple Application Process
Getting burial insurance in New Jersey is quick and easy. The application typically takes just 10-15 minutes over the phone with one of our licensed agents. You'll answer a few basic health questions, choose your coverage amount, and that's it.
Coverage under Guaranteed Issue Whole Life insurance can typically be finalized within 48 hours of initial application. Most New Jersey applicants receive approval within 24 hours and can have coverage in place almost immediately.
Understanding New Jersey Funeral Costs
New Jersey funeral costs are among the highest in the nation, making burial insurance especially important for Garden State residents. Understanding these costs helps you choose the right coverage amount for your family.
- • Traditional Funeral & Burial: $9,443 - $13,400
- • Cremation Services: $7,500
- • Burial Plot: $2,903 (average)
- • Casket: $3,500 (median for wooden casket)
The average funeral cost in New Jersey is $9,443 (not including burial plot costs), which is significantly higher than many other states. When you add in the cost of a burial plot, casket, flowers, and other services, the total can easily exceed $13,000.
Traditional Burial Costs: A traditional funeral service with burial in New Jersey includes the funeral home's basic services, embalming or preparation, use of facilities for viewing, ceremony, casket, burial vault, and cemetery costs. Burial Plot: the average cost in New Jersey is around $2,903, though prices vary significantly by location - urban areas typically cost more than rural ones.
Cremation Costs: While cremation is generally less expensive than traditional burial, it still involves significant costs. In New Jersey, cremation services average $7,500, which includes the cremation process, urn, and memorial service if desired.
Additional Expenses: Beyond the basic funeral costs, families often face additional expenses like death certificates, obituary notices, flowers, catering for guests, and travel expenses for out-of-town family members. These costs can add thousands more to the final bill.
Why Planning Ahead Saves Money: By securing burial insurance now, you lock in your coverage at today's prices. Whole life burial policies have a locked-in price, and the coverage lasts forever. Even if funeral costs continue to rise in New Jersey, your family receives the full death benefit you've chosen.
Understanding whether burial insurance is worth it for your situation depends on your financial circumstances, but for most New Jersey seniors, the peace of mind and family protection make it an invaluable investment.
New Jersey Burial Insurance FAQs
How much does burial insurance cost in New Jersey?
The cost of burial insurance in New Jersey depends on several factors including your age, gender, health status, tobacco use, and the coverage amount you choose. On average, a healthy senior between ages 50 – 60 years old can expect to pay around $30 per month for a $10,000 burial policy. Seniors over 70 typically pay $50-$116 per month for the same coverage. Women generally pay slightly less than men for the same coverage amount.
Can I get burial insurance in New Jersey if I have health issues?
Yes! One of the biggest advantages of burial insurance is that even seniors with pre-existing health conditions can qualify for coverage. Despite prior health issues, most seniors can qualify for coverage with no waiting period. Whether you have diabetes, heart disease, cancer history, or other health concerns, there are policy options available. Some plans offer guaranteed acceptance for anyone who meets the age requirements.
What does burial insurance cover in New Jersey?
Burial insurance provides a tax-free death benefit that your beneficiaries can use for any purpose. While it's designed to cover funeral and burial expenses, the money can also be used for cremation costs, burial plots, caskets, funeral home services, flowers, obituaries, outstanding medical bills, credit card debt, or any other final expenses. Your family has complete flexibility in how they use the funds.
How quickly can I get coverage in New Jersey?
Most New Jersey seniors can get approved for burial insurance within 24 hours. The application process takes just 10-15 minutes, and you can apply over the phone with a licensed agent. Once approved, your coverage typically begins immediately or within a few days. There's no lengthy waiting period for most policies, meaning your family is protected right away.
Are there age limits for burial insurance in New Jersey?
Most burial insurance policies in New Jersey are available to residents aged 50-85. Coverage is usually best suited for people ages 50 to 85. Some companies may offer coverage outside this age range, but 50-85 is the standard. It's important to apply sooner rather than later, as premiums increase with age and some health conditions may limit your options as you get older.
What are New Jersey's specific burial and funeral laws?
Insurers in New Jersey do offer burial insurance and do not have any state-specific rules/laws affecting the accessibility to this kind of coverage. However, New Jersey does have some unique funeral regulations. New Jersey does not require embalming unless the deceased is not scheduled to be cremated, refrigerated, or buried within 48 hours after the time of death. The state also allows families flexibility in casket choices, and you can work with licensed funeral directors to create arrangements that fit your wishes and budget.
Get Started with New Jersey Burial Insurance
Protecting your New Jersey family with burial insurance is simple and affordable. Here's how to get started:
Step 1: Determine Your Coverage Needs - Consider your funeral preferences and any outstanding debts or final expenses you'd like covered. Think about whether you want a traditional burial or cremation, and factor in average New Jersey costs.
Step 2: Get Your Free Quote - Check your eligibility and receive a personalized quote based on your age, health, and coverage needs. Our online tool takes just 2 minutes to complete.
Step 3: Speak with a Licensed Agent - Our licensed agents specialize in helping New Jersey seniors find the right burial insurance coverage. They'll answer all your questions, explain your options, and help you choose the policy that best fits your needs and budget. Call us at 1-619-507-3889 to speak with an agent today.
Step 4: Complete Your Application - The application process takes just 10-15 minutes and can be done entirely over the phone. You'll answer a few simple questions, choose your coverage amount and beneficiaries, and that's it.
Step 5: Get Approved and Protected - Most New Jersey seniors receive approval within 24 hours. Once approved, your coverage begins and your family is protected from the financial burden of funeral expenses.
Don't wait to secure the peace of mind your family deserves. Our licensed agents are standing by to help you find affordable burial insurance coverage tailored to your needs.
Call 1-619-507-3889 or get your free quote online today!
Whether you're in Newark, Jersey City, Paterson, Elizabeth, or any other New Jersey community, burial insurance provides the protection your family needs. With coverage amounts from $5,000 to $25,000, no medical exam required, and affordable monthly premiums, there's never been a better time to secure your family's financial future.
You've spent your life taking care of your loved ones. Now let burial insurance take care of them when you're gone. Learn more about your burial insurance options or get started with your free quote today.
Coverage Available in Neighboring States
If you have family members in nearby states, they can also get affordable burial insurance coverage:
- Connecticut burial insurance - Affordable coverage for Connecticut seniors
- Maine burial insurance - Protect your Maine family with final expense coverage
- Massachusetts burial insurance - Comprehensive burial insurance for Massachusetts residents