Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Mar 19, 2020

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Aflac vs. Funeral Directors Life Insurance Company

In a world such as ours, full of uncertainty and grave dangers, insurance is considered a “must have.”

It is important to shop around for the best insurance coverage for the price you are willing to pay. Comparing insurance providers can be a monotonous task, but a necessary one.

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Funeral Directors Life Insurance Company was founded in 1981 by a small group of Texas Funeral Directors who, in their words, wanted to provide “the best possible prepaid care for their families”. Since then, they have grown to be a top national pre-need funeral service company.

FDLIC insurance agents are likely to be funeral directors who wish to offer their customers funeral life insurance or prearrangement life insurance during the process of providing funeral arrangement services and have very few other insurance products to offer to their customers.


AFLAC is the biggest provider of “supplemental” insurance in the United States. Supplemental insurance is insurance outside of employer-provided benefits. It was founded in 1955 in Columbus, Georgia and is best known for its quacking duck branding.

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Funeral Prearrangement Insurance – AFLAC

AFLAC, or American Family Life Assurance Company of Columbus and FDLIC, or Funeral Directors Life Insurance Companies. are two nationally recognized American Life Insurance Companies. AFLAC has a number of different insurance profiles and insurance products available to the public for a variety of reasons.

Funeral Prearrangement Insurance – FDLIC

FDLIC, on the other hand, offers only insurance for funerary or end-of-life benefits. FDLIC is a specialty or “boutique” life insurance company in that it offers a mainly high-end or specialized product to a small group of customers or through a small group of agents, whereas AFLAC is an extremely large company with variegated product offerings and products lines.


AFLAC offers a number of different packages with regard to end-of-life benefits. These include term life insurance, which provides benefits for a specified period of time, usually between twenty or thirty years, whole life insurance, which provides an automatic benefit if the death of the policy holder occurs at any time, and the possibility of adding “insurance riders”.

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Rider Policies

Riders are policies for family members, usually children, which are added into the policy for an increased premium. AFLAC also offers funeral insurance, but as one of its many insurance packages. In contrast, FDLIC offers different levels of coverage for funerary and funeral-related end of life benefits, and specializes in funeral benefits only.

If your goal is to cover the costs of the funeral only, then FDLIC or AFLAC may be able to offer the following customizations for funeral prearrangements:

  • Casket selection
  • Cremation with memorial service
  • Green funeral options
  • Anatomical donation
  • Flower selections
  • Funeral director’s services
  • Music selections
  • Pallbearers
  • Catering
  • Scripture or poetry readings

The High Cost of Funerals – Insurance vs. Savings

One of the most difficult issues to consider about choosing insurance coverage is to determine exactly what one’s coverage should be geared towards, who it should benefit, and how it should be paid. It’s important to note that Life Insurance may not pay out quickly enough to coverage funerals in the event of the insured’s demise.

Other Considerations — Religious

Members of religious groups which practice next-day or same-day burial may not be able to receive benefits from Life Insurance quickly enough to immediately cover funeral costs. In contrast, funerary benefits and prearrangement services through a funerary insurance policy and a funeral home can guarantee that the funeral costs will be paid immediately and the result highest level of funeral care and the easiest and most comfortable transition for the family of the deceased.

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The High Cost of Funerals

According to the National Funeral Directors Association, the average cost of burial and funerary services is approximately $7,500. It is extremely difficult for some families to provide $7,500 in ready cash during the stressful and difficult time that follows the death of a family member.

Additional Costs Covered

Additionally, services such as clergy or memorial readings, newspaper obituaries or death notices, flowers, musical services, catering for guests at wakes or burials, and other sometimes necessary services or products are not covered in the $7,500 average. In certain markets, families can expect to spend upwards of $10,000 on funeral costs, especially if no pre-arrangement has been done, since on-the-spot services will be at a premium compared to pre-booked services.

Life Insurance and Prearrangements

Life insurance coverage is sometimes layered on top of funeral prearrangements with both AFLAC and FDLIC. The reason for this is that prepaid funeral services may be needed before the fee for the prearranged, prepaid services have been paid, leaving a balance. The funeral prearrangement fee can be supplemented with a life insurance fee that offsets the remaining balance in case the deceased’s funeral prepayments have not been completed. That means that the family won’t have to pay out-of-pocket for the remainder, even if it wasn’t fully paid.

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Planning and Prearrangement

Not all funeral prearrangement and planning takes place at a funeral home. Some clients prefer to deal with their prearrangements directly through their insurance agent instead of with a funeral home director or other funeral services provider. Any services that can be covered by prepaid funeral arrangement or funerary life insurance can be planned through agents also.

Agents Can Help

AFLAC or DLIC agents will both be able to help determine what should the costs and services of the funeral be for the level of service and the individual services desired, and then help their customers choose plans which make sense for their budget and their desire for funeral care.

What About a Physical?

Both AFLAC and FDLIC offer similar types of funeral insurance. FDLIC does not require a physical examination before issuing insurance, but asks that customers answer a few health questions, which helps determine the premium paid.

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AFLAC’s Physicals

AFLAC sometimes requires a physical, but not always. This will be determined when purchasing insurance services through a licensed AFLAC insurance representative. If a physical is required, it can sometimes be conducted inside your home, eliminating the need to travel to a doctor’s office for tests or examinations. Some of the requirements of the physical may be:

  • Blood Tests
  • General Health Questions
  • Whether or not you Smoke
  • Family Health History
  • Current Medical Conditions

Refunds on Prearrangements

Not all prearranged funeral services are refundable. Whether or not the prearranged service fee can be refunded depends upon state law. Not all funeral homes or prearrangement services will be able to provide a refund. You should inquire with your prearrangement representative or local funeral home whether the services the prearrangement fees and payments will be refundable or transferrable in the event you move.

Death Overseas/Outside of Community

If an individual who is covered passes away overseas or outside of the community of coverage, then the contact person coordinating the services should immediately inform the funeral home through which the prearranged services are handled. They can help arrange shipment or other alternatives.

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Prearrangement and You

Not everyone will want funeral prearrangement. If you are are genuinely concerned about your end-of-life arrangements or arrangements for your family members, prepaid funerary services and funerary life insurance may be able to provide the peace of mind you are looking for.

One of the main things to remember when choosing an insurance provider, whether it be for health insurance needs, dental insurance needs, or life insurance needs is to go with a company with which you feel the most comfortable. Trust is essential in any business transaction, and possibly even more essential when the transaction involves aspects of your family’s lives. Choosing a provider can be difficult, but with the right guidance, you can easily make the right choice.

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