State Farm burial insurance
State Farm sells strong, conventional life insurance through captive agents, which means the agent in your town can only ever show you State Farm.
Rating read from AM Best on 2 September 2026. AM Best calls A+ superior: the strongest assessment am best gives. How we check ratings.
The verdict
A good company and a genuinely strong balance sheet. The limitation is structural rather than about quality: one carrier cannot be the right answer for every health history, and a captive agent has nothing else to offer when it is not.
We do not represent State Farm
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A+ Superior financial strength
- A local agent you can sit down with, which some buyers strongly prefer
- Convenient if you already hold your car or home policy there
Against it
- Captive, so no comparison across carriers
- AM Best downgraded State Farm Life from A++ to A+ in November 2025
- Not built around final expense, so the small face amounts this market needs are not the focus
How it treats your health
Conventional life underwriting rather than the simplified issue model most burial policies use. That can mean a medical exam depending on the product and the amount, which is a slower process than a final expense application.
What it actually sells
Term, whole life and universal life through State Farm Life Insurance Company. There is no dedicated small face final expense product of the kind specialist carriers write.
The waiting period
Standard contestability applies. There is no guaranteed acceptance product with a two year benefit wait.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, tobacco, health class, face amount, product type and state.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what State Farm would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about State Farm
Was State Farm downgraded?
Yes. AM Best moved State Farm Life Insurance Company from A++ to A+ effective 14 November 2025. A+ is still within the Superior category and it remains a very strong company, but a lot of comparison pages still show the old grade.
Does State Farm sell burial insurance?
Not as a dedicated product. It sells conventional life insurance that can be used to pay for a funeral. If you want a small policy written specifically for funeral costs, the specialist final expense carriers are built for it.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.