{"id":40612,"date":"2026-08-06T14:00:00","date_gmt":"2026-08-06T18:00:00","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=40612"},"modified":"2026-08-06T14:24:59","modified_gmt":"2026-08-06T18:24:59","slug":"how-much-does-a-funeral-cost-in-canada","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-much-does-a-funeral-cost-in-canada","title":{"rendered":"How Much Does a Funeral Cost in Canada?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/personal\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How Much Does a Funeral Cost in Canada?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-08-06T14:00:00-04:00\">August 6, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">15 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Tamar-Satov.jpg?quality=80&w=1024\" alt=\"Tamar Satov\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tamar Satov<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/How-Much-Does-a-Funeral-Cost-in-Canada-Writer-Tamar-Satov-.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How Much Does a Funeral Cost in Canada?\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/How-Much-Does-a-Funeral-Cost-in-Canada-Writer-Tamar-Satov-.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/How-Much-Does-a-Funeral-Cost-in-Canada-Writer-Tamar-Satov-.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/08\/How-Much-Does-a-Funeral-Cost-in-Canada-Writer-Tamar-Satov-.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How Much Does a Funeral Cost in Canada? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-much-does-a-funeral-cost-in-canada\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-much-does-a-funeral-cost-in-canada\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is the average cost of a funeral?\u00a0<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-the-average-cost-of-a-funeral-nbsp\">What is the average cost of a funeral?\u00a0<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-burial-vs-cremation-costs-what-s-the-difference-nbsp\">Burial vs cremation costs: What\u2019s the difference?\u00a0<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-additional-funeral-costs-do-i-need-to-consider-nbsp\">What additional funeral costs do I need to consider?\u00a0<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-pay-for-a-funeral-in-canada-nbsp\">How to pay for a funeral in Canada\u00a0<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-plan-ahead-for-peace-of-mind-nbsp\">Plan ahead for peace of mind\u00a0<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Imagine losing someone close to you. Amid the sudden wave of grief, you\u2019re handed a clipboard and asked to make dozens of major financial decisions in a matter of hours. It\u2019s an emotional whirlwind, and the price tag can come as a genuine shock: a&nbsp;funeral in Canada typically runs from&nbsp;about&nbsp;<a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-b0308016\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"$5,000 to $15,000\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">$5,000 to $15,000<\/a>.&nbsp;&nbsp;<\/p>\n\n\n\n<p>But that number is far from fixed. It&nbsp;can shift&nbsp;dramatically based on your personal choices and&nbsp;location. In this guide, we\u2019ll break down&nbsp;how much&nbsp;do&nbsp;funerals cost&nbsp;across Canada&nbsp;\u2014&nbsp;and how to&nbsp;plan&nbsp;so&nbsp;the financial weight doesn\u2019t fall on the people you love most.&nbsp;&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The national average cost for&nbsp;a funeral is&nbsp;$7,800<\/strong>, but&nbsp;you can pay anywhere&nbsp;from $4,500&nbsp;to $20,000+&nbsp;depending on location and the services you choose.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cemetery land prices alone can push totals well above the national average<\/strong>, especially in cities like Toronto and Vancouver.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cremation is generally less expensive than traditional burial<\/strong>, ranging from $5,000 to $12,000 with a full service,&nbsp;or&nbsp;under $2,200 for direct cremation alone.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>The CPP Death Benefit pays up to $2,500 <\/strong>(or up to $5,000 for eligible contributors) \u2014 a fraction of average funeral costs.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Insurance with a named beneficiary bypasses probate<\/strong>, putting funds in your family\u2019s hands&nbsp;quickly&nbsp;so they don\u2019t have to pay out of pocket&nbsp;for a funeral.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-average-cost-of-a-funeral-nbsp\">What is the average cost of a funeral?&nbsp;<\/h2>\n\n\n\n<p>For&nbsp;a traditional funeral with a full burial in Canada,&nbsp;the national average is&nbsp;about&nbsp;$7,800.&nbsp;But&nbsp;because&nbsp;costs vary greatly across the country,&nbsp;it\u2019s&nbsp;far&nbsp;more helpful to look at regional averages.&nbsp;<\/p>\n\n\n\n<p>According to&nbsp;<a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-68b32b82\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Funeral Cost in Canada by Province (2026)\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Funeral Cost in Canada by Province (2026)<\/a>, a report&nbsp;by Ontario funeral and memorial provider&nbsp;Haven Casket &amp; Monument,&nbsp;a&nbsp;traditional funeral&nbsp;with&nbsp;burial in Quebec ranges from&nbsp;$4,500&nbsp;to $8,000,&nbsp;with the&nbsp;Maritime provinces&nbsp;only&nbsp;slightly more expensive&nbsp;at&nbsp;$5,000&nbsp;to $9,500.&nbsp;Costs in&nbsp;Ontario, British Columbia,&nbsp;and&nbsp;Nunavut, however,&nbsp;are much higher&nbsp;\u2014&nbsp;starting from around $9,000 and going up to&nbsp;$15,000 or more.&nbsp;A&nbsp;<a href=\"https:\/\/www.havencasket.com\/average-funeral-cost-ontario-2026-breakdown\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.havencasket.com\/average-funeral-cost-ontario-2026-breakdown\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-720b63b6\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"full-service&nbsp;burial in&nbsp;the Greater Toronto Area\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">full-service&nbsp;burial in&nbsp;the Greater Toronto Area<\/a>,&nbsp;meanwhile,&nbsp;can reach&nbsp;$20,000&nbsp;or more.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Unfortunately, these prices are not standing still.&nbsp;Funeral&nbsp;expenses are currently creeping up by 2&nbsp;per cent&nbsp;to 3&nbsp;per cent&nbsp;annually&nbsp;due to inflation&nbsp;and&nbsp;a dwindling supply of cemetery plots in&nbsp;major urban centres.&nbsp;It\u2019s also important to note that&nbsp;quotes&nbsp;or advertised&nbsp;costs&nbsp;from&nbsp;funeral&nbsp;homes&nbsp;often&nbsp;exclude the&nbsp;burial plots or&nbsp;cemetery charges, which&nbsp;can add&nbsp;thousands of dollars&nbsp;to the bill.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-factors-affect-funeral-costs-in-canada-nbsp\">What factors affect funeral costs in Canada?&nbsp;<\/h3>\n\n\n\n<p>Organizing&nbsp;a funeral&nbsp;is&nbsp;like planning any&nbsp;major life event: every decision you make&nbsp;affects&nbsp;the final&nbsp;cost.&nbsp;Identifying&nbsp;what\u2019s behind these fees&nbsp;allows you to prioritize what matters most to you while keeping the budget under control.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-type-of-service-nbsp\">Type of service&nbsp;<\/h4>\n\n\n\n<p>There are four main&nbsp;ways to structure a funeral, and the&nbsp;service&nbsp;type you choose&nbsp;dictates&nbsp;much&nbsp;of the cost:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Traditional burial&nbsp;<\/strong>is the most expensive option, involving multiple&nbsp;costs&nbsp;from&nbsp;clergy to&nbsp;caskets to cemetery land.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cremation and service&nbsp;<\/strong>is a&nbsp;popular mid-range alternative that blends the tradition of a formal ceremony, but without many of the cemetery infrastructure costs attached to burial.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Direct cremation&nbsp;<\/strong>is one of the most affordable&nbsp;options. It includes the transfer of remains, required paperwork, and the return of ashes \u2014&nbsp;but&nbsp;no formal service. A separate memorial can still be held later, if desired.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Green burial<\/strong>&nbsp;is&nbsp;a&nbsp;newer, eco-friendly option growing in popularity across Canada. It focuses on natural&nbsp;processes,&nbsp;such as&nbsp;avoiding&nbsp;chemical embalming&nbsp;and&nbsp;favouring&nbsp;a&nbsp;casket or&nbsp;shroud made of&nbsp;biodegradable materials.&nbsp;Costs are typically lower&nbsp;than a traditional burial.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-location-nbsp\">Location&nbsp;<\/h4>\n\n\n\n<p>Where\u00a0a\u00a0funeral\u00a0takes place\u00a0is also a major cost factor. Dense urban markets like Toronto and Vancouver feature the highest land values, which\u00a0can push\u00a0cemetery plot costs\u00a0alone\u00a0to six figures.\u00a0Furthermore,\u00a0many provinces (including Ontario, British Columbia, Saskatchewan, Manitoba and Nova Scotia) require cemeteries to <a href=\"https:\/\/naturalburialassociation.ca\/international-reaction-to-our-fees\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-a0a19b93\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"set aside 15 per cent to 40 per cent\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">set aside 15 per cent to 40 per cent<\/a>\u00a0of fees paid for burial plots into a fund for perpetual grounds maintenance,\u00a0which drives\u00a0up\u00a0prices\u00a0in those regions.\u00a0\u00a0<\/p>\n\n\n\n<p>In\u00a0remote territories like Nunavut,\u00a0a\u00a0lack of local infrastructure and the need for air transport\u00a0contribute to\u00a0higher\u00a0prices.\u00a0In Quebec, the\u00a0widespread presence of\u00a0<a href=\"https:\/\/fcfq.coop\/en\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/fcfq.coop\/en\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-6eabafd9\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"member-owned funeral co-ops\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">member-owned funeral co-ops<\/a>\u00a0and distinct\u00a0<a href=\"https:\/\/www.quebec.ca\/en\/family-and-support-for-individuals\/social-assistance-social-solidarity\/calculating-basic-benefit\/funeral-expenses\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.quebec.ca\/en\/family-and-support-for-individuals\/social-assistance-social-solidarity\/calculating-basic-benefit\/funeral-expenses\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-22e9422c\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"provincial assistance structures\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">provincial assistance structures<\/a>\u00a0keep costs on the lower end.\u00a0\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-add-ons-nbsp\">Add-ons&nbsp;<\/h4>\n\n\n\n<p>Personal&nbsp;choices can add substantially to&nbsp;a funeral\u2019s cost:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Casket selection&nbsp;<\/strong>is one&nbsp;of the largest variable costs you will encounter, spanning from plain cloth-covered options to premium polished hardwoods.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Urns<\/strong>&nbsp;(if you choose cremation)&nbsp;can range from a basic temporary container to handcrafted memorial artwork.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Visitations<\/strong>&nbsp;require&nbsp;facility and staffing fees on top of the service itself, and&nbsp;costs can increase when hosting viewings over multiple days or with extended hours.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Religious services<\/strong>&nbsp;may include a clergy&nbsp;honorarium,&nbsp;rental of&nbsp;church\/chapel&nbsp;(or other&nbsp;place&nbsp;of worship), organist&nbsp;(or other musicians), and livestreaming for family who can\u2019t attend in person.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Headstones<\/strong>&nbsp;vary in cost depending on your choice of monument, stone type, and custom engraving options.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Embalming,\u00a0<\/strong>which is<strong>\u00a0<\/strong><a href=\"https:\/\/ised-isde.canada.ca\/site\/office-consumer-affairs\/en\/modern-marketplace\/funerals\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/ised-isde.canada.ca\/site\/office-consumer-affairs\/en\/modern-marketplace\/funerals\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-746afd94\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"generally required\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">generally required<\/a>\u00a0for an open casket viewing\u00a0or if\u00a0the deceased\u00a0must\u00a0be transported over long distances.\u00a0<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-burial-vs-cremation-costs-what-s-the-difference-nbsp\">Burial vs cremation costs: What\u2019s the difference?&nbsp;<\/h2>\n\n\n\n<p>Cemetery costs&nbsp;for a&nbsp;plot,&nbsp;interment&nbsp;and headstone&nbsp;can&nbsp;make&nbsp;burial&nbsp;a&nbsp;much&nbsp;more expensive&nbsp;option&nbsp;than cremation.&nbsp;Understanding these&nbsp;price&nbsp;differences is useful when drafting a will or thinking through estate&nbsp;and&nbsp;funeral&nbsp;plans.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-traditional-burial-nbsp\">Traditional burial&nbsp;<\/h3>\n\n\n\n<p>A full-service traditional burial package in Canada routinely costs between $7,000 and $16,000, or more&nbsp;in&nbsp;cities&nbsp;with high land values.&nbsp;It\u2019s helpful to separate the&nbsp;cemetery expenses from&nbsp;the&nbsp;rest of the costs&nbsp;to&nbsp;more easily compare&nbsp;burial&nbsp;and&nbsp;cremation.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables\">\n<div class=\"wp-block-rbc-basic-table basicTable\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-cemetery-costs-nbsp\">Cemetery costs&nbsp;<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-\"><\/h4>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>*Burial plot (urban)&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$7,000&nbsp;to&nbsp;$15,000<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>*Burial plot (rural)&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$2,500&nbsp;to&nbsp;$6,000&nbsp;&nbsp;&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Opening\/closing grave&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$500&nbsp;to&nbsp;$1,500&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Grave vault\/liner (often required by cemetery)&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$700&nbsp;to&nbsp;$2,000&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Headstone\/monument&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$1,000&nbsp;to&nbsp;$4,000&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Transportation&nbsp;to cemetery&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$500&nbsp;to&nbsp;$2,000&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Total&nbsp;<\/strong>&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>$4,500&nbsp;to&nbsp;$17,700&nbsp;<\/strong>&nbsp;<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<p><em>*Includes cemetery perpetuity fund fees for ongoing\u00a0grounds\u00a0care and maintenance,\u00a0<a href=\"https:\/\/www.funeraladvisor.ca\/Consumers-Rights-andLaws-by-Province\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.funeraladvisor.ca\/Consumers-Rights-andLaws-by-Province\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-bfcc4174\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"where mandated by province\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">where mandated by province<\/a><\/em>.<\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables\">\n<div class=\"wp-block-rbc-basic-table basicTable\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<h4 class=\"wp-block-heading\" id=\"h-non-cemetery-costs\">\u00a0Non-cemetery\u00a0costs\u00a0<\/h4>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p>&nbsp;<\/p>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Funeral home professional fees&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$1,500&nbsp;to&nbsp;$3,500&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Casket&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$600&nbsp;to&nbsp;$20,000 (national average: $2,869)&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Embalming (usually tied to viewing\/visitation)&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$500&nbsp;to&nbsp;$1,200&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Clergy\/celebrant&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>$200&nbsp;to&nbsp;$500&nbsp;&nbsp;<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>Total<\/strong>&nbsp;<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p><strong>$2,800&nbsp;to&nbsp;$8,000+&nbsp;<\/strong>&nbsp;<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<p>&nbsp;<br><em>Source:&nbsp;<a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-126c6140\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Funeral Cost in Canada by Province (2026)\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Funeral Cost in Canada by Province (2026)<\/a>&nbsp;<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-cremation-nbsp\">Cremation&nbsp;<\/h3>\n\n\n\n<p>Canada\u2019s cremation rate reached\u00a0<a href=\"https:\/\/www.cremationassociation.org\/industrystatistics.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.cremationassociation.org\/industrystatistics.html\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-a3595875\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"77.4\u00a0per cent\u00a0in 2025, up from 61.6\u00a0per cent\u00a0in 2010\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">77.4\u00a0per cent\u00a0in 2025, up from 61.6\u00a0per cent\u00a0in 2010<\/a>,\u00a0as more families choose it for cost, environmental, and logistical reasons.\u00a0The\u00a0<a href=\"https:\/\/canadianfunerals.com\/cremation-costs-in-canada\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/canadianfunerals.com\/cremation-costs-in-canada\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-243daa4b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"total\u00a0expense\u00a0for cremation\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">total\u00a0expense\u00a0for cremation<\/a>, however,\u00a0depends entirely on the tier of service you choose:\u00a0\u00a0<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Full-service cremation funeral ($5,000&nbsp;to&nbsp;$12,000)<\/strong>.&nbsp;This option&nbsp;is the most&nbsp;like&nbsp;a&nbsp;traditional burial service. It includes a formal viewing (often using a rental casket), a ceremony at a chapel or place of worship, and the subsequent cremation.&nbsp;Remains can be&nbsp;interred at a cemetery, scattered&nbsp;there or another location, or&nbsp;kept in an urn at home.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Cremation with a memorial service ($2,900&nbsp;to&nbsp;$7,000)<\/strong>.&nbsp;In this case,&nbsp;a service is held after cremation has occurred,&nbsp;with&nbsp;no&nbsp;formal&nbsp;viewing&nbsp;(which means&nbsp;no&nbsp;need for embalming&nbsp;or&nbsp;casket rental).&nbsp;Costs are&nbsp;largely determined by the location of the memorial, which can be at a funeral home, place of worship,&nbsp;community centre, park or home.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Direct cremation ($845&nbsp;to&nbsp;$2,175).&nbsp;<\/strong>&nbsp;This is the most basic entry-level tier. It covers the professional transfer of the body, the necessary legal paperwork, a simple cardboard or wood cremation container, and the return of the ashes to the family. No viewings, no embalming, and no formal services are included.&nbsp;&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-additional-funeral-costs-do-i-need-to-consider-nbsp\">What additional funeral costs do I need to consider?&nbsp;<\/h2>\n\n\n\n<p>Other&nbsp;common&nbsp;expenses&nbsp;include:&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Flowers<\/strong>: $200&nbsp;to&nbsp;$600.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Reception<\/strong>&nbsp;(venue, food, and beverages): $500&nbsp;to&nbsp;$2,000+.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Obituary publication<\/strong>&nbsp;(print or online): $200&nbsp;to&nbsp;$500.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Stationery<\/strong>&nbsp;(printed programs, register books&nbsp;and thank-you cards):&nbsp;$200&nbsp;to $500.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Livestreaming or a memorial slideshow<\/strong>: $100&nbsp;to&nbsp;$500,&nbsp;depending on provider.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Death certificates<\/strong>&nbsp;(for estate&nbsp;and financial purposes):&nbsp;$15&nbsp;to&nbsp;$75, depending on province&nbsp;or territory.&nbsp;<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>GST\/HST:&nbsp;<\/strong>Sales taxes are<strong>&nbsp;<\/strong>applied to most funeral related goods and services. When getting quotes ask if the amounts&nbsp;include or exclude the taxes.&nbsp;<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-pay-for-a-funeral-in-canada-nbsp\">How to pay for a funeral in Canada&nbsp;<\/h2>\n\n\n\n<p>Fewer&nbsp;than four in 10 (38&nbsp;per cent)&nbsp;Canadian&nbsp;retirees have set aside money or have life insurance to pay&nbsp;for final expenses,&nbsp;according to&nbsp;an&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/rbc-insurance-survey-finds-only-15-of-canadians-have-estate-plans\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/rbc-insurance-survey-finds-only-15-of-canadians-have-estate-plans\/\" data-dig-id=\"LP-LifeInsurance-40612-bea25dc9\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC insurance&nbsp;poll\" class=\"rbc-link-format\">RBC insurance&nbsp;poll<\/a>.&nbsp;That can leave&nbsp;loved ones&nbsp;paying out-of-pocket&nbsp;while the deceased\u2019s assets go through probate&nbsp;\u2014&nbsp;a legal process that can take more than a year.&nbsp;Planning ahead&nbsp;with one of the following options&nbsp;can&nbsp;ensure&nbsp;your family has immediate, hassle-free access to funds when they need it most.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-life-insurance-nbsp\">Life insurance&nbsp;<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-LifeInsurance-40612-f3a41d1c\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Life insurance\" class=\"rbc-link-format\">Life insurance<\/a>&nbsp;is one of the most flexible tools available&nbsp;for final expenses.&nbsp;Upon the policyholder\u2019s death, the&nbsp;named beneficiary&nbsp;directly&nbsp;receives&nbsp;a&nbsp;tax-free,&nbsp;lump-sum&nbsp;\u2014&nbsp;meaning the funds&nbsp;bypass probate&nbsp;\u2014&nbsp;and&nbsp;can be used&nbsp;to pay for&nbsp;funeral costs, mortgage payments, outstanding debts, or day-to-day living expenses.&nbsp;Monthly premiums&nbsp;depend on the&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-40612-7226997a\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"type&nbsp;of life insurance\" class=\"rbc-link-format\">type&nbsp;of life insurance<\/a>,&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-LifeInsurance-40612-43079616\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"coverage\" class=\"rbc-link-format\">coverage<\/a>,&nbsp;age, health and other factors.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-funeral-insurance-nbsp\">Funeral insurance&nbsp;<\/h3>\n\n\n\n<p>Also called final expense or burial insurance,&nbsp;this&nbsp;is a&nbsp;type of permanent life insurance&nbsp;designed specifically to cover end-of-life costs. Coverage typically ranges from $5,000 to $25,000, premiums&nbsp;are fixed, and many policies require no medical exam.&nbsp;As with life insurance,&nbsp;the benefit payment&nbsp;is tax-free and goes directly to the named beneficiary&nbsp;to cover funeral expenses.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-guaranteed-nbsp-acceptance-nbsp-life-nbsp-insurance-nbsp\">Guaranteed&nbsp;acceptance&nbsp;life&nbsp;insurance&nbsp;<\/h3>\n\n\n\n<p>Guaranteed acceptance life insurance&nbsp;is&nbsp;like&nbsp;funeral&nbsp;insurance&nbsp;but&nbsp;offers more flexibility,&nbsp;as the benefit payment can be used for funeral expenses or&nbsp;any other financial need your beneficiaries have.&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/guaranteed-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><\/strong><\/a><strong><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/guaranteed-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-40612-5aeb0d50\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Guaranteed Acceptance Life Insurance\" class=\"rbc-link-format\">RBC Guaranteed Acceptance Life Insurance<\/a><\/strong>, for example,&nbsp;is&nbsp;available to Canadian residents aged 40 to 75,&nbsp;has&nbsp;lifetime&nbsp;coverage&nbsp;from $5,000 to $40,000,&nbsp;no medical&nbsp;questionnaire&nbsp;or&nbsp;exams&nbsp;required, and the monthly premiums never increase.&nbsp;<\/p>\n\n\n\n<p>Learn more about the&nbsp;factors to consider&nbsp;when it comes to&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/funeral-insurance-vs-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/funeral-insurance-vs-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-40612-f8384186\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"funeral insurance vs. life insurance vs. guaranteed acceptance life insurance\" class=\"rbc-link-format\">funeral insurance vs. life insurance vs. guaranteed acceptance life insurance<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-prepaid-funeral-plan-nbsp\">Prepaid funeral plan&nbsp;<\/h3>\n\n\n\n<p>Prepaying for funeral arrangements directly with a funeral home&nbsp;and\/or cemetery&nbsp;locks in today\u2019s pricing and spares your family from making financial decisions while grieving. Funds are typically held in third-party trust accounts or insurance policies,&nbsp;as&nbsp;regulated by provincial bodies&nbsp;such as the&nbsp;<a href=\"https:\/\/thebao.ca\/pre-plan-prepay\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/thebao.ca\/pre-plan-prepay\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-21c7a9a5\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Bereavement Authority of Ontario\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Bereavement Authority of Ontario<\/a>.&nbsp;Note&nbsp;that&nbsp;some expenses&nbsp;(e.g.,&nbsp;cemetery fees, headstone, flowers, etc.)&nbsp;may not be covered in a prepaid plan.&nbsp;Ask for a complete itemized list of inclusions and exclusions before signing&nbsp;a contract.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-savings-nbsp\">Savings&nbsp;<\/h3>\n\n\n\n<p>Some Canadians set aside dedicated funds \u2014 in a TFSA, RRSP, or non-registered account \u2014 to cover final expenses as part of broader estate planning. This approach is straightforward but requires time to build, and savings may still be subject to probate delays unless structured carefully with an advisor.&nbsp;In some cases,&nbsp;a&nbsp;bank will release fees&nbsp;from the deceased\u2019s account when presented with a death certificate&nbsp;and invoice from the funeral home.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-government-assistance-nbsp\">Government assistance&nbsp;<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/cpp-death-benefit.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/cpp-death-benefit.html\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-469f377f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"The&nbsp;Canada Pension Plan (CPP)&nbsp;Death Benefit\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">The&nbsp;Canada Pension Plan (CPP)&nbsp;Death Benefit<\/a>&nbsp;is a one-time, lump-sum federal payment to the estate or eligible individuals of a deceased CPP contributor.&nbsp;It&nbsp;includes a base payment of $2,500, with a possible top-up of an additional $2,500 for contributors&nbsp;who have&nbsp;never received a CPP retirement or disability pension, and&nbsp;do not&nbsp;leave behind a spouse eligible for a survivor\u2019s pension.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Quebec residents who contributed to the QPP may be eligible for a comparable benefit through\u00a0<a href=\"https:\/\/www.retraitequebec.gouv.qc.ca\/en\/programs\/quebec-pension-plan\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.retraitequebec.gouv.qc.ca\/en\/programs\/quebec-pension-plan\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-a04967e1\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Retraite Qu\u00e9bec\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">Retraite Qu\u00e9bec<\/a>\u00a0\u2014 contact them directly for current amounts and eligibility criteria.\u00a0<\/p>\n\n\n\n<p>Even at the maximum $5,000, government assistance covers only a portion of average funeral costs. That gap is why&nbsp;advanced planning&nbsp;is so important.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-plan-ahead-for-peace-of-mind-nbsp\">Plan ahead for peace of mind&nbsp;<\/h2>\n\n\n\n<p>Let\u2019s be honest: nobody&nbsp;enjoys doing&nbsp;a&nbsp;funeral cost&nbsp;breakdown&nbsp;or&nbsp;thinking about&nbsp;end-of-life logistics. But taking the initiative to put a plan in place is one of the most&nbsp;valuable&nbsp;gifts you can leave for the people you&nbsp;care&nbsp;about&nbsp;most.&nbsp;&nbsp;<\/p>\n\n\n\n<p>Funeral costs in Canada range from a few thousand dollars to well over $15,000 \u2014 and the gap between being prepared and not can have a lasting impact on your family during an already difficult time. Government support helps but rarely covers the full picture.&nbsp;&nbsp;<\/p>\n\n\n\n<p>The most empowering step is having a plan in place \u2014 through life insurance, savings, or a prepaid arrangement \u2014 so your loved ones aren\u2019t left making financial decisions under pressure.&nbsp;<\/p>\n\n\n\n<p id=\"h-c-guaranteed-acceptance-life-insurance-can-assist-your-loved-ones-with-end-of-life-expenses\"><a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/life-insurance-quote\/\" data-dig-id=\"LP-LifeInsurance-40612-64e978fe\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Get a term life insurance quote online\" class=\"rbc-link-format\">Get a term life insurance quote online<\/a>&nbsp;to see how simple protecting your family can be, or&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-LifeInsurance-40612-7e37825d\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"speak with a licensed RBC Insurance advisor\" class=\"rbc-link-format\">speak with a licensed RBC Insurance advisor<\/a>&nbsp;to learn more.&nbsp;&nbsp;<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b section-ads\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-frequently-asked-questions-about-funeral-costs-in-canada-nbsp\">Frequently asked questions about funeral costs in Canada&nbsp;<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-much-does-the-average-funeral-cost-in-canada-nbsp\">How much does the average funeral cost in Canada?&nbsp;<\/h4>\n\n\n\n<p>The national average cost for\u00a0a funeral is\u00a0$7,800, but\u00a0you can pay anywhere\u00a0from\u00a0<a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-8875152f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"$4,500\u00a0to $20,000+\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">$4,500\u00a0to $20,000+<\/a>\u00a0depending on location and the services you choose.\u00a0\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-much-does-cremation-cost-nbsp-nbsp\">How much does cremation cost?&nbsp;&nbsp;<\/h4>\n\n\n\n<p>Yes,\u00a0cremation is generally less expensive than traditional burial, as you\u00a0can\u00a0avoid\u00a0all cemetery fees. A direct cremation\u2014with no\u00a0viewings\u00a0or\u00a0formal\u00a0service\u2014is typically\u00a0<a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-4666cf1c\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"less than\u00a0$2,500\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">less than\u00a0$2,500<\/a>.\u00a0\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-does-the-cpp-death-benefit-pay-in-canada-nbsp\">What does the CPP Death Benefit pay in Canada?&nbsp;<\/h4>\n\n\n\n<p>The CPP Death Benefit&nbsp;generally&nbsp;pays up to $2,500. Contributors who never drew a CPP retirement or disability pension and leave behind no dependents qualifying for a survivor\u2019s pension&nbsp;may be eligible for&nbsp;up to $5,000.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-what-province-has-the-highest-funeral-costs-in-canada-nbsp\">What province has the highest funeral costs in Canada?&nbsp;<\/h4>\n\n\n\n<p>Nunavut has the highest funeral costs in Canada ($9K\u2013$16K+), followed by B.C.\u00a0($10K\u2013$16K) and Ontario ($9K\u2013$15K+).\u00a0<br><br><em>Source:\u00a0<\/em><a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-40612-42cb25b4\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Funeral Cost in Canada by Province (2026)\u00a0\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\"><a href=\"https:\/\/www.havencasket.com\/funeral-cost-in-canada-by-province-2026\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Funeral Cost in Canada by Province (2026)<\/em><\/a>\u00a0<\/a><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-does-life-insurance-cover-funeral-costs-in-canada-nbsp\">Does life insurance cover funeral costs in Canada?&nbsp;<\/h4>\n\n\n\n<p>Yes.&nbsp;A life insurance death benefit&nbsp;can be used to pay for funeral costs, debts, mortgage payments or living expenses.&nbsp;Because policies with a named beneficiary bypass probate, funds typically arrive&nbsp;much&nbsp;faster than estate assets.&nbsp;&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-how-quickly-do-funeral-costs-need-to-be-paid-in-canada-nbsp\">How quickly do funeral costs need to be paid in Canada?&nbsp;<\/h4>\n\n\n\n<p>It depends on the service provider.&nbsp;Some may request a deposit&nbsp;when making arrangements with the balance due on the day&nbsp;of the service. Others&nbsp;send&nbsp;out&nbsp;an invoice&nbsp;for payment&nbsp;a few weeks&nbsp;after the death or funeral.&nbsp;Providers&nbsp;might also charge interest on late payments until they are paid in full.&nbsp;&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-10384-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Funeral costs in Canada vary. Learn about what impacts the price, cremation versus burial, and how you can plan so your family isn&#8217;t left with a bill.<\/p>\n","protected":false},"author":222,"featured_media":40614,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[54],"tags":[4],"article-type":[80],"ppma_author":[205],"class_list":{"0":"post-40612","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-life-insurance","8":"tag-life-insurance","9":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How Much Does a Funeral Cost in Canada? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Funeral costs in Canada vary. 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