How Much Does Funeral Cost in West Virginia

While getting a life insurance plan, most of us think about the safety net it provides to our loved ones in case of our sudden death. Aside from financial protection, a life insurance plan can also be used to cover the funeral and burial costs.

The death benefit of a burial insurance for senior plan usually covers your funeral and burial costs in case of your demise. Mostly, the lump sum amount of burial insurance is much smaller as compared to traditional life insurance plans.

However, the cost of the plan may vary from state to state and insurance providers depending on your state, insurance company, and selected services. The average cost of funeral expenses in West Virginia is $5,833. Meanwhile, this price may range from $3,440 to $9,635.

Cost of Funeral Expenses in West Virginia

The monthly premium you pay for burial insurance may vary as it depends on various factors, including age and gender. Here is a quick estimate for you for both of these factors:

Female Funeral Insurance Rates

Age	$5,000	$10,000	$15,000
50	$12.86	$23.06	$33.08
55	$14.97	$26.94	$38.90
60	$18.04	$32.87	$47.70
65	$22.11	$41.01	$59.91
70	$28.07	$53.12	$78.18
75	$37.81	$72.41	$107.01
80	$50.82	$98.43	$146.05
85	$69.55	$135.90	$202.25
90	$149.69	$296.41	NA

Male Funeral Insurance Rates

Age	$5,000	$10,000	$15,000
50	$15.37	$27.73	$40.08
55	$18.72	$34.43	$50.13
60	$22.72	$42.42	$62.13
65	$28.41	$53.82	$79.22
70	$36.47	$69.93	$103.38
75	$50.22	$97.43	$144.64
80	$71.44	$139.73	$207.99
85	$97.97	$192.74	$287.51
90	$176.59	$350.21	NA

Funeral Costs By Service

Now let’s discuss the cost of funerals by different services:

Service	Average Cost
Basic Services	$1,914
Viewing and Visitation	$423
Funeral Ceremony	$439
Direct Burial	$312
Direct Cremation	$1,939
Transport of Remains	$251
Embalming	$657
Graveside Service	$64

Funeral and Burial Anticipations in West Virginia

Usually, the relatives and family members of the deceased person handle the end-life affairs of the person. They have to make some funeral arrangements aside from contacting the medical examiner’s office. So, you should know a few things well before time. Some of them are:

1- Death Certificate

Before burying or cremating the deceased, a death certificate should be issued. Generally, it takes about 24 to 36 hours to be completed. It will be issued by the medical examiner and may be sent to the funeral home or given to the family members.

2- Embalming and Preservation

Embalming is not required in any state of the USA. Instead of it, refrigeration is available, a funeral home may mandate embalming after 2 days. In case the deceased’s family is coming from out of town and can’t reach within a day or two embalming would be a great choice. It will help the dead body to last as long as possible without preserving it.

3- Funeral Basics Events

Usually, viewing and burial are the main services or events of the funeral. However, the deceased had a chance to express his final wishes as after death he will be treated the way he wanted. For instance, the casket you want and various services you want for and before your funeral. Your loved ones will make sure that your end-life events are celebrated according to your final wishes.

The Cost of Funeral Expenses in West Virginia Depends on?

Here are some of the factors that can decide the cost of funeral expenses:

1- Age of the Insured

The older you are, the more likely you will be able to afford a burial plot. However, pre-existing conditions can reduce funeral costs especially if you are under 64 and in good health.

2- Health of the Insured

Healthy policyholders have fewer premium payments as compared to those having chronic medical conditions or any other history of hospitalizations.

3- Policy’s Type

The cost also depends on the type of the policy whether it is whole life or certificate. Whole-life plans cost more than certificates as they provide more coverage and better protection against unexpected circumstances. On the other hand, certificate plans don’t cover you entirely, but are less expensive than whole-life plans.

4- Rate Modifiers

Some life insurance providers used rate modifiers to lower the premiums of the policyholders. They offer rates that are lower than the typical rates for individuals who never smoke or those who take steps to improve their health like exercising regularly.

Frequently Asked Questions (FAQs)

1- What does funeral insurance cover in West Virginia?

Burial insurance can be a great way to secure your loved ones financially once you are gone. This plan will provide the funds that are required for final or end-life expenses. Such services may include:

A headstone or grave marker
Burial plot
Casket and vault linings
Cremation
Casket fitting
Embalming or preservation.

2- What are the benefits of funeral insurance in West Virginia?

The following are the advantages of having funeral insurance:

Cover Final Expenses: The plan offers coverage for funeral and burial expenses in case of the death of a loved one. It assures financial assistance to your family in case of high funeral or cremation costs.

Reasonable: Funeral insurance is not as expensive as other types of insurance plans available in the market. The reason is it’s becoming an essential need in the state which makes it a more affordable option.

No Medical Exam: There is no medical exam required in funeral insurance making it a more exciting and affordable option. This feature will allow the insured to get a reasonable plan without extra premium payments.

Guaranteed Benefits: Funeral insurance provides guaranteed death benefits to the aligned beneficiary of the insured after his death. However, the beneficiaries are not bound to spend the lump sum amount.

3- What is the average lifespan in West Virginia?

The average lifespan in this state is about 74.5 years. However, for males, it’s 71.9 years and for females it’s 77.3 years. Different socio-economic factors are involved in the poor health and short lifespan of the individuals like poverty, ignorance, and others.

Iqra Shaheen

Here is our expert author, Iqra, your go-to source for simplified insights into the world of life insurance. With years of industry experience, Iqra delivers concise and approachable content, ensuring you navigate the complexities with confidence.