A life insurance death benefit may be used for cremation if the beneficiary chooses. The amount and timing payable depend on the policy; request local provider prices.
Final expense life insurance generally pays a beneficiary rather than paying a cremation provider directly. The beneficiary can consider cremation or other needs, subject to the policy’s written benefit terms.
Do not assume a stated coverage amount will meet every local cremation cost. Ask providers for itemized prices. The FTC Funeral Rule explains how to obtain price information.
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