Why Choose LSM Insurance for funeral insurance?

  • We work with experienced and reputable independent brokers across Canada
  • LSM Insurance is one of the most respected life insurance brokerages in Canada
  • We work with more life insurance companies than the majority of brokers (15+ insurers)
  • We have been serving Canadians for over 25 years

* Please note that we can not provide insurance products in QC


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How much does funeral insurance cost?

Funeral insurance is quite affordable because its only purpose is to cover one type of expense, which is outstanding final expenses, or funeral costs.

Here are a few example of funeral insurance quotes:

Female, 80 years old,
Simplified Issue life insurance
Coverage of $8,000
Best quote: 74/month

Male, 75 years old,
Simplified Issue Life insurance
Coverage of $10,000
Best quote: $92/month

Female, 82 years old,
Guaranteed Issue Life insurance
Coverage of $7,500
Best quote:

Interested in funeral insurance or have questions?
Please complete the form above.

What is funeral insurance?

Funeral insurance (also called burial insurance or final expenses insurance) is a life insurance policy that is big enough to cover all the costs associated with final expenses, including funeral or burial costs. That would mean that you will not leave your loved ones a large bill to pay.

Given that funeral insurance is mostly purchased by seniors, these insurance plans are easy to qualify for. They often fall into one of two categories: simplified issue life insurance, and guaranteed issue life insurance. Our insurance specialists are intimately familiar with various funeral insurance plans to ensure that your loved ones do not have to carry any financial burden.

Interested in funeral insurance or have questions?
Please complete the form above.

What are typical funeral costs?

Funeral costs quickly add up with averages reaching ~$13,500. That includes items such as a casket (~$3,500), professional services (~$2,500) including permits, certificate, preparation, transportation, funeral and burial services, funeral home reservation, etc. Gravestone and plot costs at a cemetery add ~$2,000 and ~$500 in costs, respectively. Other items could include expenses such as church services, reception, obituary, “Thank You” cards, pallbearers, and flowers.

If you have special wishes, these often can lead to additional costs too. Without funeral insurance your loved ones will likely be responsible for taking care of all these bills.

Interested in funeral insurance or have questions?
Please complete the form above.

Are funeral costs different across Canada?

Yes, costs may vary significantly across Canada – here are typical ranges for different provinces. Please consider that personal preferences may strongly impact the final price tag.

Alberta: $6,000 – $12,000
British Columbia: $4,000 – $12,000
Manitoba: $7,000 – $10,000
Nova Scotia: $8,000 – $11,000
New Brunswick: $8,000 – $10,000
Newfoundland and Labrador: $10,000 – $12,000
Ontario: $5,000 – $20,000
Prince Edward Island: $8,000 – $10,000
Quebec: $8,000 – $10,000
Saskatchewan: $9,000 – $10,000

How does funeral insurance work?

Once you are clear on the amount of coverage you need, you can get a funeral insurance quote by completing the form above. If you are satisfied with a quote and decide to move forward, you will be paying monthly premiums.

In case of your death, your beneficiary will be paid the entire coverage amount, e.g. $10,000, which will help them to cover final expense bills and cover the cost of your funeral or burial. Don’t leave your loved ones with an unnecessary financial burden.