Getting Death Certificates: How Many You'll Need and Why
Reviewed by Everendium Editorial Team · Last reviewed August 18, 2026
Quick answer
Most families need 10 or more certified copies of the death certificate to close accounts, claim insurance, and settle an estate. The funeral home typically orders these on your behalf through the local vital records office, and you can usually request additional copies later if you run out.
This is one of the most common practical questions families have, and the answer surprises most people: you’ll likely need far more copies than you’d expect.
Why so many copies
Certified death certificates are required — not just a photocopy — by nearly every institution you’ll need to contact:
- Banks and credit unions
- Life insurance companies
- Social Security Administration
- The DMV (to transfer or cancel a vehicle title)
- Employers, for benefits or pension claims
- The county recorder, for property transfers
Each of these typically keeps the certified copy rather than returning it, which is why families often need 10 or more.
How many should you order?
A reasonable starting estimate is 10–15 copies, though this depends on how many accounts, policies, and institutions are involved in your loved one’s affairs. It’s generally cheaper to order a few extra upfront than to reorder later.
How they’re ordered
The funeral home you’re working with typically handles this as part of their standard process, working with the vital records office in the state or county where the death occurred. They’ll usually ask how many copies you’d like when you meet with them.
If you need more later
You can order additional certified copies directly from the local vital records office, usually for a per-copy fee — this is a normal, straightforward process if you underestimate how many you needed at first.
Exact processes and fees vary by state and county — your funeral home or local vital records office can give you specifics for your situation.
Frequently asked questions
Why do I need so many copies?+
Nearly every institution — banks, insurance companies, Social Security, the DMV, employers with pension or benefits — will want to see a certified original, not a copy. Many won't accept photocopies, so needing 10 or more is common.
Can I make photocopies instead of ordering more?+
Generally no — most institutions specifically require a certified copy with an official seal, not a photocopy, since death certificates are used to legally verify the death for financial and legal purposes.
Who orders the death certificates?+
The funeral home typically handles this as part of their standard process, working with the local vital records office. You'll usually be asked how many copies you want when you meet with them.
What if I run out and need more later?+
You can typically order additional certified copies directly from the vital records office in the state or county where the death occurred, sometimes for a per-copy fee.
Sources
Related glossary terms
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