Illinois funeral & burial funds bonds.
From $100.
Sellers and trustees of pre-need funeral and burial funds license with the Illinois State Comptroller under the Funeral or Burial Funds Act (225 ILCS 45), and file a fidelity bond as part of that license. The Comptroller sets the amount — not exceeding $10,000 — and pricing is 1% of the bond amount, $100 minimum; no credit check up to $25,000.
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How much does an Illinois funeral & burial funds bond cost?
1% of the bond amount, from $100. Enter your amount in the calculator for the exact price.
Three steps. One sitting.
No credit check up to $25,000. Here is the whole thing:
Apply online
Your business details, the bond amount the Comptroller set, and the effective date — that is the application.
Issued on the spot
Most applications approve instantly — the executed bond is generated as soon as you pay. Above $25,000, a soft pull may add a short review.
File with the State Comptroller
Submit the executed fidelity bond with your pre-need license application or renewal. Wet-ink originals mailed whenever the Comptroller insists.
What it is and who needs it.
What the funeral funds bond actually covers
Illinois protects consumers who prepay for funeral and burial goods and services under the Funeral or Burial Funds Act (225 ILCS 45), which the State Comptroller administers and enforces. Sellers and trustees of these pre-need funds must be licensed by the Comptroller.
As part of the license, the applicant files a fidelity bond (executed by the applicant and an admitted surety) — or, alternatively, an irrevocable letter of credit. The bond is conditioned on faithful handling of the pre-need funds the seller or trustee holds for consumers.
The statute lets the Comptroller set the amount not exceeding $10,000. The premium is 1% of that amount, $100 minimum — because the cap tops out at $10,000, the 1% math lands most filings right at the floor, and no credit check up to $25,000. Your exact price appears in the on-page calculator.
You need this bond if you are
Claims, renewal, filing, and what sets the price.
If a claim is made
A claim comes from the party the bond protects, the obligee named on the form, when the duty the bond guarantees is not met.
The surety investigates and pays a valid claim, up to the bond amount. You then repay the surety: a surety bond is a guarantee of your performance, not insurance for you.
Renewal and term
The premium covers a one-year term from the effective date you choose.
Renew before the expiry date to keep the bond in force: the license, permit or contract it backs expects continuous coverage.
How to file it
File with the State Comptroller. Submit the executed fidelity bond with your pre-need license application or renewal. Wet-ink originals mailed whenever the Comptroller insists.
What sets the price
The premium is 1% of the bond amount, $100 minimum: the amount the obligee sets moves the price, not your business profile.
No credit check up to $25,000. Above that, the carrier may run a soft pull, which never affects your score.
Where a check runs, it decides approval; the rate is the same for everyone approved.
One application, issued on the spot.
Submit the application with the bond amount the Comptroller set — pricing starts from $100 and your executed fidelity bond is generated instantly, ready to file.
Start the application →Common questions.
Other Illinois bonds.
Price and requirements checked on the carrier’s application, . Page updated .
Funeral funds bond, issued today.
Priced from $100. Enter the amount the Comptroller set and file the same day.