How Many Death Certificates Do I Need?
Death Certificates - What I should Know
One of the questions we hear from families when making funeral arrangements is, “How many death certificates should I order?”
There isn't one number that is right for every family. The number of certified copies you may need depends on your loved one's financial accounts, insurance policies, property, benefits, and other responsibilities that need to be handled after their death.
For many families, we recommend starting with 5–10 certified copies. Some families may need fewer, while others may need more depending on their circumstances.
If your loved one died in Missouri, there are also specific state requirements for obtaining certified copies. And if the death occurred in another state, the process may be different because each state has its own laws and procedures for vital records.
What Is a Certified Death Certificate?
A certified death certificate is an official copy of the death record issued by the appropriate vital records office.
In Missouri, the original death record is permanently maintained by the Missouri Department of Health and Senior Services, Bureau of Vital Records. The original is not given to families. Instead, certified copies are issued on security paper and are considered official copies of the record.
A certified copy may be requested by certain individuals or organizations when proof of death is needed to handle financial, legal, insurance, or other matters.
Why Would I Need a Death Certificate?
After someone dies, there are often many organizations that need to be notified. Some may require a certified death certificate before they can close an account, transfer ownership, or begin processing benefits.
Depending on your loved one's circumstances, you may need certified copies for:
- Life insurance policies
- Banks and financial institutions
- Investment accounts
- Retirement accounts or pensions
- Social Security or other benefits
- Veterans' benefits
- Real estate or property matters
- Stocks or other investments
- Estate or probate matters
- Certain loans or financial accounts
- Other legal or financial matters
Not every organization requires a certified copy. Some organizations may have other ways of verifying a death or may accept a copy that does not need to be certified.
Before sending a certificate, it is always a good idea to ask the organization what documentation it requires.
How Many Death Certificates Should I Order?
For many families, 5–10 certified copies is a reasonable starting point.
However, there is no universal number that every family needs.
For example, someone who had a checking account, one life insurance policy, and Social Security may have very different needs from someone who had multiple bank accounts, investment accounts, insurance policies, real estate, and retirement benefits.
We encourage families to think about the things that will need to be handled after the funeral and consider how many organizations may request proof of death.
If you aren't sure, your funeral director can help you think through the circumstances and determine a number that makes sense for your family. And if you later discover that you need additional copies, they can be requested through the appropriate vital records office, subject to that state's requirements.
How Much Does a Death Certificate Cost in Missouri?
Missouri currently charges $14 for the first certified copy and $11 for each additional copy of the same death record ordered at the same time. Fees can change, so it is always best to check the Missouri Department of Health and Senior Services for the most current information.
Who Can Get a Certified Death Certificate in Missouri?
Missouri does not consider vital records to be public records. State law limits who can receive certified copies.
The Missouri Department of Health and Senior Services states that a person requesting a certified vital record must have a direct and tangible interest in the record. Missouri identifies certain family members and authorized representatives who may obtain certified copies, and additional documentation may be required in some circumstances.
Funeral directors can also act as official representatives to obtain death records in certain circumstances.
Does Every State Handle Death Certificates the Same Way?
No. This is an important point if your loved one lived in Missouri but died somewhere else, or if you are handling affairs across state lines.
Every state has its own laws, fees, eligibility requirements, and procedures for vital records. The requirements for obtaining certified copies may be different depending on where the death occurred.
For deaths that occurred in Missouri, the Missouri Department of Health and Senior Services Bureau of Vital Records maintains the state's death records. Missouri's central registry includes death records from 1910 to the present.
If the death occurred in another state, you will generally need to work with that state's vital records office to obtain certified copies and determine who is eligible to receive them. Vitalcheck.com is a helpful website that can assist in obtaining a death certificate in many states.
If you're unsure where to begin, your funeral home or funeral director can help point you in the right direction.
Can I Get More Copies Later?
Yes. You don't have to anticipate every situation that may come up after a death. If you discover that another organization requires a certified copy, additional copies can be requested through the appropriate vital records office.
In Missouri, certified copies can be requested through the state Bureau of Vital Records, and many local public health agencies also provide vital records services. Once a certificate is officially registered with the state, you can walk into any vital records fill make the request and walk out with a certified copy in the same day. Because additional copies can be obtained later, there is no need to order a large number simply because you're worried you might need them someday.
Keep Track of Where You Send Them
As you begin taking care of your loved one's affairs, it can be helpful to keep a simple list of the organizations you have contacted and whether they requested a certified death certificate.
You may want to record:
- Organization or company name
- Contact person
- Date you contacted them
- Whether a certified copy was required
- Whether the certificate was mailed or delivered
- Whether the certificate will be returned
This simple list can help you keep track of the many details that need to be handled during a difficult time.
You Don't Have to Figure It All Out at Once
There are a lot of decisions and responsibilities that come after someone dies. Figuring out how many death certificates you need is just one of them.
For many families, 5–10 certified copies is a good starting point, but the right number depends on your loved one's individual circumstances.
If you are making funeral arrangements at Baue, your funeral director can help you understand the process and answer questions about what you may need after the death.
You don't have to have all of the answers before you call. That's part of what we're here for.
Frequently Asked Questions
How many death certificates should I order?
There is no required number that applies to every family. Many families choose 5–10 certified copies, but the number you need depends on your loved one's accounts, insurance, property, benefits, and other responsibilities.
Do I need a certified death certificate for every account?
Not necessarily. Some organizations require a certified copy, while others may have another way to verify the death. Ask each organization what documentation it requires.
How much does a certified death certificate cost in Missouri?
Missouri currently charges $14 for the first certified copy and $11 for each additional copy of the same death record ordered at the same time.
Can I get more death certificates later?
Yes. Additional certified copies can be requested through the appropriate vital records office, subject to that state's requirements.
Are death certificate requirements the same in every state?
No. Each state establishes its own requirements for obtaining vital records, including eligibility, fees, and ordering procedures.
Who can obtain a certified death certificate in Missouri?
Missouri limits access to certified vital records to people and entities who meet the state's requirements for a direct and tangible interest. Certain family members and authorized representatives may qualify.










