IL funeral & burial funds bonds.
From $100. Enter your amount.

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; the application collects no credit information.

Filed with the Illinois State Comptroller under the Funeral or Burial Funds Act (225 ILCS 45)
A fidelity bond in an amount the Comptroller sets, not exceeding $10,000 — a letter of credit is also permitted
1% of the bond amount, $100 minimum — enter your required bond amount and your exact price appears at the application
1%of the bond amount$100minimum premiumFastinstant approval for most
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BDG
Capital
McKinney
Terra
JLL
Triple Five
Georgetown
How it works

Apply to filed in one sitting.

The application collects no credit information for the standard funeral funds bond — enter your amount, pay, and file with the Comptroller. Here is the whole thing:

TODAY · ONLINE

Apply online

Your business details, the bond amount the Comptroller set, and the effective date — that is the entire application.

INSTANTLY

Issued on the spot

Most applications approve instantly — the executed bond is generated as soon as you pay. Larger amounts may get a quick review.

SAME DAY

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.

About this bond

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 the application collects no credit information. Your exact price appears in the on-page calculator.

225 ILCS 45 (Funeral or Burial Funds Act)The Illinois Funeral or Burial Funds Act (225 ILCS 45) is administered by the State Comptroller and licenses sellers and trustees of pre-need funeral and burial funds. License applications must be accompanied by a fidelity bond (or an approved irrevocable letter of credit) in an amount the Comptroller determines, not exceeding $10,000. Confirm your required amount on your Comptroller license.

You need this bond if you are

A pre-need funeral or burial seller licensing with the Illinois State Comptroller
A trustee of funeral or burial funds holding consumers’ prepaid money
Renewing a Comptroller license that requires the fidelity bond on file
Replacing a cancelled bond so your pre-need license stays in good standing

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 →
FAQ

Common questions.

How much is the Illinois funeral funds bond?Pricing is 1% of the bond amount, with a $100 minimum. The amount itself is set by the State Comptroller and cannot exceed $10,000. Enter your amount and your exact price appears at the application.
Who requires this bond?The Illinois State Comptroller, who administers and enforces the Funeral or Burial Funds Act (225 ILCS 45). The fidelity bond accompanies your pre-need seller or trustee license application.
Is there a credit check?The application collects no credit information. It is a small bond capped at $10,000, so most applications approve instantly; if a check runs, it is a soft pull that never affects your credit score.
Can I post a letter of credit instead?The Act permits an irrevocable, unconditional letter of credit from an Illinois-authorized bank in lieu of the fidelity bond. A surety bond is usually cheaper — you pay the premium rather than tying up cash or bank collateral.
What does the bond guarantee?It guarantees faithful handling of consumers' prepaid funeral and burial funds. If a seller or trustee mishandles those funds, a harmed party can recover against the bond — and if the surety pays, you repay the surety.
Related bonds

Other Illinois bonds.

Funeral funds bond, issued today.

Priced from $100. Enter the amount the Comptroller set and file the same day.

Your premiumfrom $100
Apply now →