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Iowa
Pre-need Funeral Service Bond

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Coverage Amount: $50,000
Term Length: 1 year
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Iowa Pre-Need Funeral Service Bond Guide

If you’re applying for a pre-need funeral seller's license in Iowa, you’ll likely need this surety bond. 

Bond Overview

  • Purpose: To protect pre-need funeral arrangement funds
  • Who Needs It: Pre-need funeral arrangement sellers in Iowa
  • Regulating Body: The Iowa Insurance Division
  • Required Coverage: $50,000
  • Premium Rate: $500—$5,000, credit based

Learn all about the bond requirements and process in this guide.

What Is an Iowa Pre-Need Funeral Service Bond?

An Iowa pre-need funeral service bond ensures that sellers operate ethically and legally. It offers financial protection in the event that a seller mishandles funds or goes out of business.

How Much Do Pre-Need Funeral Service Bonds Cost?

Iowa pre-need funeral service bonds cost a small percentage of the coverage amount, typically $500—$5,000.


Exact rates vary based on personal credit score. Apply for your free quote now!

Bond Type
$50,000Pre-need Funeral Service Bond

SuretyBonds.com offers the lowest available rates from our nationwide provider network with no added fees.

Who Needs a Pre-Need Funeral Service Bond?

The Iowa Insurance Division requires this bond as part of the permit process for funeral establishments and pre-need funeral service sellers in the state. 


Trust deposits, certificates of deposit, life insurance or an annuity, or warehousing can also fund purchase agreements. However, a surety bond is often the most affordable financial security option, requiring only a small upfront premium and no collateral.

How Do I Get My Bond?

SuretyBonds.com provides the fastest and easiest way to get an Iowa pre-need funeral service bond. Just follow these quick steps: 

  1. Apply: Submit an online quote request form
  2. Quote: Receive your quote within one day
  3. Sign: Complete the indemnity agreement 
  4. Buy: Purchase the bond online 24/7

We’ll email you the bond shortly after purchase. Be sure to file it with the Iowa Insurance Division as instructed. 

If you have any questions, call our friendly surety experts at 1 (800) 308-4358 for assistance.

How Does an Iowa Pre-Need Funeral Service Work?

A pre-need funeral service bond creates a legal contract between these three parties: 

  1. Principal: You, the pre-need funeral seller filing the bond
  2. Obligee: The Iowa Insurance Division requiring the bond
  3. Surety: The provider issuing the bond

This holds you financially responsible for upholding the provisions of Iowa Code 523A. 

If you break the bond terms, harmed parties can file claims. The surety will pay valid claims up to the bond amount, but you must ultimately refund the surety.

How Do I Renew My Bond?

These bonds expire annually. To renew your pre-need funeral service bond, simply pay your renewal invoice when prompted. 

We’ll begin contacting you by phone and email 90 days before the expiration date.

More Resources

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