How Can I Pay For Funeral Expenses If I Have No Life Insurance?

Fact-Checked | View our Editorial Guidelines

Funeral costs can be expensive, and if you have no life insurance, it could be challenging to pay for them. However, there are several ways to pay for funeral expenses even if you lack the necessary funds. Here are some options to consider:

Option Description
Personal Loans You can apply for a personal loan with good credit and pay it off in the next three to seven years. Interest rates range from 16% to 35%.
Credit Card Payment You can pay for the funeral with a credit card, especially a zero percent introductory rate credit card. The introductory period can last anywhere from six months to 21 months, after which you’ll begin paying interest.
Ask For Contributions You can ask friends and family to contribute to the funeral expenses. Determine the cost of the funeral and burial and divide it between family members.
Payment Plan You can ask the funeral director for a payment plan that allows you to make monthly payments.
Social Security Administration If the deceased received Social Security benefits, their spouse or children may receive a lump sum death benefit of $255 to pay for the funeral.
Non-profit Organization There are non-profit organizations that provide financial assistance to help pay for the funeral expenses of someone who doesn’t have the money or whose family or friends can’t pay for the funeral.
Kickstarter Fundraising Campaign You can crowdfund the funeral on GoFundMe.com or Kickstarter.com by asking family and friends to contribute a small amount of money.
Funds Within The Deceased’s Estate Proof of estate funds can be provided to the funeral home to cover the cost of the funeral.
Totten Trust or Payable-On-Death Account Designate a beneficiary to access the funds in a bank account specifically for funeral expenses.
Veterans Benefits If the deceased was in the military, they are entitled to a free burial in a national cemetery, and the VA will give your family a burial allowance to pay for other funeral expenses.
Employer or Union Benefits Check the employee benefits for any assistance with funeral costs.
Victim Compensation Program or Accident Compensation If the deceased was a victim of a crime or involved in an accident, there may be assistance available through insurance or compensation programs.
Federal-State Assistance People with disabilities, on Medicaid, or indigent may be eligible for small amounts of assistance from the state or a victim compensation program.
Indigent Burial Assistance Programs These programs are funded and operated to help the destitute take care of their disposition. The state would arrange simple pauper burials in a designated area of a municipal cemetery or offer direct cremation as a low-cost solution to dispose of the dead.

Funeral costs can be overwhelming, but there are many options available to help pay for them. Consider these options to ensure that your loved one receives a proper funeral without causing a financial burden on your family.

No-Exam
Burial Insurance
Age
Gender
Know Your Rate
Contact info NOT required.