A Funeral Costs About $8,300. Social Security Pays $255.

Burial insurance for ages 40 to 80 that covers the rest, so your family is not left with the bill.

Coverage up to $50,000
No medical exam, just a few health questions
Your rate is locked and never goes up
Plans from $20 a month*

See what you may qualify for:

Start My Free Quote

Free Rate Quote· about 2 minutes

Social Security Will Not Cover a Funeral

The government death benefit is small and only goes to certain family members. Burial insurance fills the gap.

Burial insurance with us

Coverage up to $50,000
No medical exam. A few health questions.
Plans for many people with health conditions
Your benefit does not go down as you get older
Paid to the person you choose, to use however they need

Social Security death benefit

A one-time payment of $255
Only paid to a surviving spouse or an eligible child
Not paid at all if neither one qualifies
Has been $255 since 1954
Covers a small part of a funeral

The Numbers Your Family Faces

Funeral bills are due within days, often before any other money comes in.

$8,300

Median funeral with burial

That is with a viewing and burial. A funeral with cremation is about $6,280.

$255

Social Security death payment

A one-time amount, and only for a surviving spouse or eligible child.

$50,000

Coverage available

Choose the amount that covers the funeral, final bills, or extra money for your family.

Sources: National Funeral Directors Association, 2023 General Price List Study (median costs). Social Security Administration, lump-sum death payment. Coverage amounts and rates vary by age, health and state.

What Happens Next

No paperwork and no pressure.

Answer the questions aboveIt takes about 2 minutes.
A licensed agent calls youUsually within a few minutes, so keep your phone nearby.
See your price and decideThe agent shows you the plans and rates for your age and health. You can say yes or no.

Common Questions

Anything else, just ask the agent on the call.

Is this a government program?

No. Royalty Life and Legacy INC is a licensed insurance agency. We are not connected with or endorsed by Social Security, Medicare or any government agency.

Do I need a medical exam?

No. There are no needles and no doctor visits. The agent asks a few health questions on the phone.

I have health problems. Can I still get coverage?

Many people with health conditions qualify. Some plans have a waiting period before the full benefit is paid. The agent will explain anything that applies to you before you decide.

Will my rate go up as I get older?

No. Your monthly rate is set when your plan starts and does not go up, and your benefit does not go down.

Do I have to pay anything today?

No. The quote is free. If you choose a plan, the agent will go over the payment options with you.

Who will call me?

A licensed agent with Royalty Life and Legacy, usually within a few minutes of finishing the questions.