How To Pay For A Funeral Without Life Insurance

How To Pay For A Funeral Without Life Insurance

Losing someone you love is a painful experience especially if you don’t know how to pay for a funeral without life insurance. Dealing with the weight of financial burden makes the experience even more difficult.

Dying without life insurance is a serious matter. Think about what will your family do when faced with that situation. They are not only crying about losing a loved one but thinking where in heaven’s name will they come up with the money for the funeral.

Funeral services are expensive. The National Funeral Directors Association computed the average cost of a funeral today with viewing and burial is $8,755. While funeral with viewing and cremation is expected to be $6,260. If you have no cash to pay for a funeral you are putting your family into crisis.

If you become responsible for making funeral arrangements for your loved one without life insurance or burial insurance policy, and you have little means to pay for a funeral, you need to seek ways to come up with the money to pay the funeral cost. There are significant ways you can pay for the funeral without life insurance. We will explore your options in this article.



What will you do if there is no money for a funeral? Who pays for a funeral if the deceased has no money? If you lack the resources for a funeral, here are several ways that a funeral can be paid for even when the family is short of necessary funds:

  1. Personal loan

If you don’t have any emergency funeral funds, personal loans can be used for the cost of funeral and burial. You will need to apply for a personal loan if you have good credit and feel that you can comfortably pay off the loan in the next three to seven years.

You can get guaranteed funeral loans from banks, credit unions, and specialized lenders. Interest rates range from 16% to 35% on funeral loans.

Personal loan for a funeral can be unsecured, hard to get and expensive. You will not only have to pay for the funeral but also pay interest on the loan, and it may damage your credit score to bury your loved one.

2. Credit Card Payment

Do funeral homes take credit cards? Yes. You can pay for a funeral with a credit card. It is another funeral financing loan option to help you pay the funeral costs. The best way for you to do this is to use a zero percent introductory rate credit card. These cards allow the user to pay off the balance without paying any interest for a set period of time.

This introductory period can last anywhere from six months to 21 months or more. After the period ends, you’ll begin paying interest – you need to be aware that the rates could be very high (up to 25% interest or more). So, you have to pay the card in full before the introductory period is over so you won’t need to pay any interest at all.

3. Ask For Contributions

Instead of shouldering the cost of a funeral all by yourself, try asking friends and family to contribute. Determine first how much the funeral and burial will cost. Ask family members to divide the amount between yourselves. If you were able to keep the costs down, you could split this amount to make it more realistic to meet the funeral expense.

Gather your family to plan the funeral and compute how much each member should share for the funeral expenses.

Splitting the bill among the family may help make the cost more bearable.

4. Ask The Funeral Director For A Payment Plan

This is similar to a loan, but your relatives will have to pay the funeral home instead of a lending company. With this monthly payment funeral plans, you may need to make a monthly payment for a long time, but this does not affect your credit score.

You can ask the Funeral Home to finance all or part of the total funeral cost.  You need to carefully read the terms of the funeral financing contract to be certain. The loan amount of $1,000 to $10,000 has 15-25% interest rates and the terms of up to 36 months.

5. Contact Social Security Administration

If you have collected Social Security before your death, the Social Security Administration may offer some assistance to your family.

There’s a $255 lump sum Social Security death benefit to those who will qualify. If your loved one is receiving Social Security benefits his spouse or children can get the death benefit to pay for the funeral.

Contact the Social Security Administration office as soon as possible. You need to provide the deceased’s Social Security number to the funeral director to report the death.

6. Contact a Non-profit Organization

There are non-profit organizations that offer assistance to survivors. These organizations provide financial assistance to help pay up the funeral cost of someone who doesn’t have the money or if that person’s family or friends can’t pay for the funeral.

7. Start a Kickstarter Fundraising Campaign

You can crowdfund the funeral on  or  if you know a lot of people. By requesting family and friends to contribute a small amount of money rather than giving flowers, your immediate family may be able to fund your funeral.

Crowdfunding sites make fundraising easy by giving you a platform to tell everyone – family, friends, and strangers everywhere your story and how you’re struggling to pay the cost of your loved one’s funeral.

These donation platforms often take a percentage of the funds donated so you will not get all of the money that is donated.

8. Funds Within The Deceased’s Estate

Funds within the estate are subject to Probate. It would take too long before Estate funds may be released (often many years). Try to negotiate with the Funeral Home by providing proof of estate funds to cover the cost of the funeral.

9. Totten Trust or Payable-On-Death Account  

POD is a bank account that lets you to save for your funeral. You can designate a beneficiary to access the funds when you pass away.

Your beneficiary needs to present proof of identity and a copy of the death certificate to the bank, and they can get the funds immediately. This money won’t go through probate, and it’s available right away to pay your funeral expenses.

The disadvantage of this method is that many people lack the discipline required over many years to accumulate enough for a funeral.

10. Veterans Benefits

If your loved one was in the military, he is entitled to free burial in a national cemetery. The gravesite, vault, marker, opening, and closing of the grave are free. A burial allowance will be given to your family by the Veterans Administration office to pay other funeral expenses. If your loved one is not buried in a national cemetery the VA will pay a sum to buy a burial plot elsewhere.

11. Employer or Union Benefits

Check the employee benefits of your deceased loved ones. Sometimes there is employee or Union benefits package that give assistance with funeral cost.

12. Victim Compensation Program or Accident Compensation 

If your loved one was a victim of a crime or involved in an accident, you can look for some assistance. If he died in a vehicular accident, there is a possibility that the auto insurance will cover part, if not all the funeral cost.

Check the no-fault coverage and accidental death clause of the insurance to see if they will pay for at least some of the funeral expenses.

13. Inquire About Federal-State Assistance

If you can’t get the money together to pay for the funeral costs, it’s possible to get some help from the government.

People with disabilities, on Medicaid or are indigent may get small amounts from the state. They can get Medicaid funeral assistance. Inquire if your state has a victim compensation program to help you pay the funeral expenses for driving under the influence or a murder victim.

14. Indigent Burial Assistance Programs

Indigent Burial Assistance Programs can be found in many counties across the US. These programs are funded and operated to help those neediest or destitute take care of their disposition. The state would arrange simple pauper burials in a designated area of a municipal cemetery. Today, they offer direct cremation as a low-cost solution to dispose of the dead.

If your family member who passed away was on some type of government assistance, there is a good chance that they will qualify for the indigent burial. The state will pay part or all the cost, and you may be eligible for cash assistance. Contact your nearest Human Services office to know the details and apply.


The most important thing for you to do if paying for a loved one’s funeral is an issue is to keep the funeral costs as low as possible. Come up with a budget and stick to it.

Many of the costs can drop with a little planning. That can be hard to do while grieving but you should remember that you can still have a dignified funeral service without having to spend thousands of dollars.

Consider cremation as an option, and this can keep the costs down. Cremation is cheaper than an open funeral. The average cost of cremation is around $1,650-$3,000, which includes a memorial service. The average cremation cost without the memorial service is only $750-$2,000. Pricing depends on your geographic location.

If you choose cremation the service could be held outside the funeral home like the church, a park, or another no or low-cost venue, you don’t have to pay for a funeral venue.

It is also a good idea to be upfront with the funeral director about your finances. If you’re low on funds, the funeral director will guide you to inexpensive alternatives.

The funeral service doesn’t have to be expensive. Make sure to shop around and compare funeral costs. Enlist the help of a friend or a relative to help you negotiate the best price.


Have you ever thought what would happen if you die with no life insurance and your family doesn’t have the means to bury you? Pitiful isn’t it? Having made no preparation for your demise will likely make it harder for your family.

Can you use life insurance to pay for a funeral? Life insurance for funeral expenses is a great option.

Burial insurance, funeral insurance, and final expense life insurance will make sure your death isn’t a financial burden on your loved ones.

The funeral cost run between $3,000 and $25,000 – is that something you want your family to pay for? If you die without life insurance, your family is going to have to pay for it.

How to pay for a funeral with life insurance? Life insurance is something you buy when you’re still alive but will benefit your family when you pass away. Life insurance will make sure your death and funeral don’t bury your family in debt. By taking out a life insurance policy, you are making provisions for the future, and your family would be grateful you took the time to do so.


Burial insurance or final expense insurance is a type of permanent insurance. These policies do not have a specific term. It does not expire as long as you pay your premiums on time.

These policies include cash value components that build up tax-deferred savings. You can withdraw these funds or borrow against the policy if you have the need.

Ease of issue. Easy to qualify and get insurance coverage. No medical exam needed, you are only required to answer a few health questions.

Level premium. Your premium will never increase. It is lock into a rate at your current age, and the rate will never go up regardless of advancing age or medical conditions.

Fixed death benefit. Your death benefit is fixed and guaranteed to never decrease for any reason.

Tax-free. The death benefit amount is paid to your beneficiary tax-free.

Not cancelable. Your policy can never be canceled by the life insurance company as long as premium payments are made on time.

Cash value builds up. Burial insurance is whole life policies that build cash value over time.

You can get a much smaller amount of coverage. Burial insurance can range from $1,000 to $50,000


If you decided that you want peace of mind that a burial insurance policy can provide to ensure your family will not be left with the burden of unpaid funeral expenses, you could call us at (888) 862-9456. We can find and secure the right policy for you.

At Funeral Funds, we specialize in helping people find affordable burial insurance. We work with the A-rated insurance companies that can provide you the best-priced burial insurance plans.

Fill out our free online QUOTE form to get a custom quote.


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