Cemetery Fee and Premium Calculator – Introduction
This tool is designed for individuals who already own cemetery property at San Gabriel Cemetery. It helps you identify the type of property you own and estimate the fees associated with a future funeral service. To pre-arrange and fund your cemetery fees with San Gabriel Cemetery, a preneed insurance policy is Necessary.
Avoid the inconvenience of coming to our office.
Make your preneed arrangement online.
Lock in today’s prices and spare your family the expense at a time of need.
Cemetery Fees & Premium Calculator
Estimate of cemetery service costs and monthly premium options.
Cemetery Fees
Cemetery Fees Packages
Select the cemetery interment package that best suits your needs. Each package includes all necessary services and fees for your chosen interment type. The cost of Burial Spaces is not included in these packages. These are fees for pre-arranging Cemetery goods and services.
Casket Interment Cemetery Fees Packages
In-Ground Casket Burial with Burial Vault
- Basic Services and Overhead
- Interment Fee
- Casket Burial Vault + Sales Tax @ 10.50%
- Vault Setting Fee
- State Regulatory Fee
In-Ground Casket Burial with Pre-Installed Lawn Crypt
- Basic Services and Overhead
- Interment Fee
- State Regulatory Fee
Above-Ground Casket Interment - Mausoleum Crypt
- Basic Services and Overhead
- Interment Fee
- State Regulatory Fee
Cremation Interment Cemetery Fees Packages
In-Ground Urn Burial with Urn Burial Vault
- Basic Services and Overhead
- Interment Fee
- Urn Burial Vault + Sales Tax @ 10.50%
- Urn Vault Setting Fee
- State Regulatory Fee
Above-Ground Interment - Niche
- Basic Services and Overhead
- Interment Fee
- State Regulatory Fee
Insurance Planning
- Price protection against inflation
- Flexible payment options
- Guaranteed coverage
- Peace of mind for families
Enter your age and select a payment term below to estimate your monthly preneed premium. Factors are for illustration only.
Review & Contact
Package Summary
Ready to Learn More?
- Schedule a free consultation with our Family Service Counselor (licensed insurance agent) via Google Meet, Zoom, or phone.
- Get your questions answered and explore personalized payment options tailored to your situation.
- When you’re ready, we’ll help you complete and submit your preneed insurance application.
Disclaimer: For illustration only. Not a quote or offer of insurance. A licensed insurance agent is required for policy sales.
FAQs about Preplanning Cemetery Fees Using Preneed Insurance
- What is preneed insurance, and how does it work for cemetery costs?
- Preneed insurance is a life insurance or annuity product designed to fund funeral and cemetery expenses in advance. You select goods and services now, the policy is funded over time or in a lump sum, and proceeds are paid directly to the funeral home or cemetery at need.
- Which cemetery expenses can be covered by preneed insurance?
- Typically: Opening and closing fees, burial vault/outer container, headstone/marker and installation, and related service fees. Some merchandise (e.g., markers) may be cash-advance items.
- What’s the difference between preneed insurance and a funeral trust or payable-on-death account?
- Preneed insurance is an insurance policy tied to a specific funeral/cemetery provider. Trusts hold funds set aside for final expenses and may be portable. POD accounts simply transfer funds to a beneficiary at death. Each differs in portability, growth, regulation, and Medicaid treatment.
- Are the prices locked in if I preplan?
- Yes, for guaranteed items (e.g., service fees, merchandise) if you sign a guaranteed-price contract. Non-guaranteed items (cash advances, third-party fees) may still vary.
- How do payment options work?
- Options include single-pay (lump sum) or multi-year premiums (e.g., 3, 5, 10 years). Longer terms reduce the monthly cost but increase the total paid due to death benefit insurance charges. Our policies include immediate or graded death benefits depending on health and term. With our policies, no one is turned down.
- What if I move or want to change cemeteries or funeral homes later?
- Our preneed policies are assignable to another provider. However, if the is a price difference at the new provider, you may have to pay the difference.
- How are my funds protected if the cemetery or funeral home closes?
- In California, prepaid funeral and cemetery funds are regulated to protect consumers even if a provider goes out of business.
- How does preneed insurance affect Medicaid eligibility and spend-down?
- California allows irrevocable preneed arrangements to be excluded as assets for Medicaid. Our contract meets specific rules and can be made irrevocable.
- What happens if I die before finishing all payments?
- Depending on policy type, benefits may be:
- Immediate full coverage (after a short contestability period), or
- Graded/limited benefits during the first 2 years (return of premiums + interest for non-accidental death).