Burial Insurance for Inmates: Options and Solutions

Burial Insurance for Inmates

For incarcerated people, burial insurance gives a method to make their funeral plans worry-free. For prisoners, burial insurance can offer protection against costs such as funeral fees, burial plot costs, memorial services, and other connected costs. As it guarantees that they, their loved ones, and their communities will get care in the case of their death, it can be a helpful alternative for prisoners who cannot confer with their families on the specifics of their burial arrangements. This kind of insurance could significantly and permanently change the lives of prisoners and their loved ones. 

Burial Insurance for Inmates: What It Is and How It Works 

When an offender passes away while incarcerated, the state has to pay up to $1,000 for a simple burial. Many convicts, however, are buried in mass graves or pauper’s graves because they have no relatives or anybody to claim their bodies. If a prisoner has funeral insurance, the insurance provider will provide a more respectable burial on their behalf up to the policy’s maximum. 

The average burial insurance policy has a $10,000 cap, so that it wouldn’t pay for a funeral with a casket and gravestone. However, it would pay for a straightforward graveside service or cremation. The insurance provider occasionally covers getting the body to the funeral home or cemetery. The federal government does not offer burial insurance to prisoners. 

However, some governments provide it as a perk for inmates. For instance, California’s California Prisoners’ Benefit Authority offers burial insurance to inmates there. Inmates concluding their terms of incarceration may also get burial insurance from commercial businesses. This can be a decent choice for prisoners who are not eligible for state-sponsored insurance and do not possess funds for payment for a funeral in advance.

When contemplating funeral insurance for an inmate, there are a few considerations. First, the insurance company will payout only after the covered person has passed away. This means that the insurance policy will be void, and the beneficiaries won’t get any money if an inmate is released or imprisoned before they pass away. 

Second, there is a two-year waiting period for burial insurance coverage. This implies that the beneficiaries will not get any money if an inmate passes away within two years of the purchase. 

Third, the policies do not allow burial insurance to transfer. The beneficiary must therefore be changed, the policy must be canceled, and a new one must be purchased if the inmate wants to change beneficiaries. 

Fourth, most funeral insurance contracts demand upfront payment of the premiums. This may be an issue for prisoners who lack the funds to pay for a policy. Last but not least, before purchasing any funeral insurance coverage, it is crucial to read the tiny print. 

Drawbacks of Burial Insurance for Inmates 

For several reasons, burial insurance for inmates may not be the ideal choice for everyone. Here are a few potential negatives to take into account: 

  1. The coverage might not be sufficient to pay for a funeral in full. 
  2. The policy might not cover an inmate’s whole sentence. 
  3. The premiums could be more expensive Compared to other life insurance policies. 
  4. Death row inmates might not be eligible for coverage. 
  5. the insurance may not be paid out if the prisoner passes away naturally. 
  6. The death benefit may be subject to taxation by the beneficiary. 
  7. If the prisoner is released, it might be challenging to revoke the policy. 
  8. Another person may not be able to inherit the policy. 
  9. If the prisoner commits suicide, the death benefit may decrease. 
  10. Other limitations may be included in the policy. 


The Best Burial Insurance Policies for Inmates

There are a few considerations to remember when selecting burial insurance for inmates:

  1. The death benefit must be sufficient for the funeral and other final costs.
  2. The policy should have no waiting time to allow for the earliest possible payment of the death benefit.
  3. There should be no exclusions in the procedure for prisoners, ensuring guaranteed coverage. 

In light of this, the following are the top four inmate burial insurance policies: 

AIG Direct’s Final Expense Insurance 

The Final Expense Insurance from AIG Direct is a fantastic choice for prisoners, covering up to $20,000 with no waiting period. It is simple to qualify for this policy because no medical checks are necessary. The range is also assured regardless of the reason for death, which is the finest part. 

Lincoln Heritage Funeral Advantage 

Another excellent choice for prisoners is Lincoln Heritage Funeral Advantage, which provides up to $25,000 in coverage with no waiting period. No of the reason for death, coverage is also promised. Additionally, this coverage does not require a medical checkup, unlike AIG Direct. 

Gerber Life Insurance’s Whole Life Insurance 

The Whole Life Insurance from Gerber Life Insurance is a fantastic choice for prisoners since it provides coverage of up to $50,000 with no waiting time. No of the reason for death, coverage is also promised. Additionally, this policy does not require a medical checkup, unlike the other two. 

State Farm’s Life Insurance 

The life insurance offered by State Farm is a fantastic choice for prisoners as it provides coverage of up to $100,000 with no waiting time. No of the reason for death, coverage is also promised. Additionally, this policy does not require a medical checkup, unlike the other three. Whichever approach you select, you can be confident that your loved one will be financially taken care of after you pass away. 

How to Choose the Right Burial Insurance Policy for Inmates 

Knowing how to best support a loved one’s future might be tough when they are behind bars. Choosing whether or not to purchase burial insurance is one crucial choice. Even if you cannot make an upfront payment, this kind of coverage can guarantee that your loved one has the financial means to pay for funeral expenses.

When selecting the ideal burial insurance plan for an inmate, there are a few factors to consider. You must first decide how much coverage you need. This will depend on how much the funeral and any other last costs are expected to cost. The insurance must at least cover the anticipated amount to prevent the insured from incurring any out-of-pocket expenses. You must then take premium payments into account. While some insurance policies call for monthly payments, others can provide a one-time fee. In order to ensure that the coverage is there when needed, you must purchase a policy you can afford to pay for. 

Finally, you must choose how the insurance will be paid out. While some policies pay the funeral home immediately, others can require the beneficiary to make the arrangements. It’s crucial to pick an insurance plan you and your loved one will agree on. If you’re considering getting prisoner’s funeral insurance, take some time to weigh your alternatives. This will assist you in locating the coverage that best suits your requirements and is within your price range. 


Burial insurance for inmates is a practical approach to assure families that their loved ones will be cared for in the case of their passing. Providing this insurance to prisoners enables their families to prepare for future funeral expenses without adding further financial stress to their time of loss. Ultimately, this insurance offers a respectful manner for inmates and their families to say farewell and can help those who have been through a trying situation find solace and closure.