Lowest Possible Burial Insurance Quotes: 2020

Burial Insurance Quotes
Lowest Possible Burial Insurance Quotes: 2020

When looking for a Burial Insurance Policy a few things are extremely important. First is that you find a policy that is crafted for you and your specific health needs. Just as important as finding the right policy structure is a price that makes sense financially.

Finding a policy that fits your financial price point can be tricky. You may think you have a great priced plan but come to find out that a salesman sold you a policy that was best for them financially and not you. This seems to happen with captive agents who are required to sell just one company’s products.

Fortunately for you, we are not captive agents and we are going to review a wide variety of products today.

Burial Insurance QuotesGet quotes green arrow

When finding the best prices you have a few options.

Option 1. Read through this list of quotes to see a general idea of what price you may pay.

Option 2. You can use the quote machine that is on this page for a more personalized quote.

Let’s get started!

Listed below is a general range for what you can expect to pay.

Depending on your health condition your payments will different.

The healthier you are the lower price you will pay and the more complicated medical history you have the higher price you will pay.

Male

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45$26 – $46$37 – $68$48 – $89
50$29 – $58$42 – $77$55 – $101
55$35 – $65$51 – $84$67 – $125
60$43 – $69$62 – $99$82 – $138
65$56 – $86$82 – $125$108 – $184
70$73 – $117$108 – $150$143 – $215
75$99 – $169$148 – $207$196 – $303
80$133 – $246$197 – $368$262 – $539
85$183 – $322$273 – $473$363 – $693

Female

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45$22 – $34$32 – $49$42 – $64
50$24 – $46$35 – $53$46 – $74
55$28 – $51$41 – $64$54 – $95
60$33 – $53$48 – $74$62 – $110
65$41 – $65$60 – $91$79 – $135
70$53 – $84$78 – $110$103 – $164
75$72 – $123$107 – $160$141 – $235
80$98 – $175$146 – $262$194 – $383
85$132 – $232$202 – $298$269 – $437

Sign with a cigarette on it

Male

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45$36 – $49$53 – $72$69 – $95
50$38 – $69$56 – $89$73 – $108
55$48 – $82$70 – $121$92 – $142
60$56 – $103$83 – $153$109 – $184
65$67 – $128$99 – $190$131 – $252
70$86 – $174$127 – $259$169 – $344
75$111 – $227$165 – $339$219 – $451
80$145 – $328$216 – $490$287 – $653
85$283 – $356$423 – $493$563 – $656

Female

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45$29 – $39$41 – $57$54 – $75
50$31 – $52$45 – $69$59 – $91
55$38 – $59$56 – $83$73 – $112
60$45 – $67$104 – $164$87 – $130
65$55 – $86$80 – $128$106 – $169
70$70 – $111$104 – $164$137 – $218
75$96 – $151$143 – $231$189 – $307
80$121 – $215$180 – $320$239 – $426
85$192 – $263$287 – $334$381 – $444

Top 5 Companies

Below is a list of the top 5 companies when it comes to budget.

The way this list is put together is a combination of health requirements and price. The plans are ordered in terms of qualification for the most healthy clients to individuals with severe health concerns while keeping the cost in mind.

#1 Mutual Of Omaha Living Promise (Level)

Mutual Of Omaha’s Level plan is designed for the healthiest of individuals.

With no waiting period and rock bottom prices, you will be hard-pressed to find a plan that is more well respected in the industry.

Quick Plan Facts

  • Available ages: 45-85
  • Coverage: $2,000-$40,000
  • Immediate coverage

Is the Mutual Of Omaha (Level) plan right for me?

If you do not have any major health concerns we recommend this product.

Visit the blog section under the main menu to read a full review of this plan.

Quotes

Male

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45$27$39$51
50$30$44$58
55$35$52$69
60$44$64$84
65$56$83$110
70$75$110$146
75$100$148$197
80$140$208$276
85$193$288$382
Female

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45$23$32$42
50$24$35$45
55$28$40$52
60$33$48$63
65$41$60$79
70$53$78$103
75$72$107$142
80$98$145$194
85$136$202$269

Sign with a cigarette on it

Male

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45$36$53$69
50$38$56$73
55$48$70$92
60$60$88$109
65$80$118$156
70$107$159$212
75$145$216$287
80$206$308$409
85$283$423$563
Female

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45$29$42$55
50$32$46$60
55$39$56$74
60$45$66$87
65$57$83$110
70$74$110$146
75$100$148$197
80$135$201$267
85$192$287$381

Other payment options

  • Quarterly
  • Semi-Annually
  • Annually
Male

$10,000 of coverage

Non-Smoking Rates

AgeQuarterlySemi-AnnuallyAnnually
45$79$149$286
50$90$170$328
55$108$205$394
60$132$250$480
65$172$326$627
70$228$431$828
75$308$582$1,118
80$410$775$1,491
85$566$1070$2,058
Female

$10,000 of coverage

Non-Smoking Rates

AgeQuarterlySemi-AnnuallyAnnually
45$70$132$254
50$76$144$277
55$88$166$319
60$102$192$370
65$127$240$461
70$165$311$598
75$224$423$814
80$304$575$1,106
85$420$794$1,572

#2 Foresters Financial Plan Right (Preferred)

Clients who are in good health will be right for this product. Offering immediate coverage and great additional benefits this product is a top option!

This plan will also accept people with specific conditions that Mutual of Omaha will not.

Quick Plan Facts

  • Available ages: 50-85
  • Coverage: $5,000-$35,000
  • Immediate coverage

Is the Foresters Plan Right (Preferred) plan right for me?

Again, this is a top-tier product so you should only apply for this plan if you have not had any major health concerns within the past two years.

Visit the blog section under the main menu to read further about this plan.

Quotes

Male

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$32$46$61
55$37$54$71
60$45$66$87
65$55$81$106
70$71$104$138
75$103$152$202
80$147$219$290
85$201$300NA
Female

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$26$38$49
55$31$45$59
60$35$52$68
65$41$60$79
70$52$76$101
75$75$111$147
80$111$165$219
85$166$247NA

Sign with a cigarette on it

Male

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$38$55$73
55$45$65$86
60$52$77$102
65$65$96$126
70$76$112$148
75$105$156$207
80$149$222$294
85$210$314NA
Female

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$38$55$73
55$45$65$86
60$52$77$102
65$65$96$126
70$76$112$148
75$105$156$207
80$149$222$294
85$210$314NA

Other payment options

  • Quarterly
  • Semi-Annually
  • Annually
Male

$10,000 of coverage

Non-Smoking Rates

AgeQuarterlySemi-AnnuallyAnnually
45NANANA
50$95$187$366
55$110$215$421
60$134$263$516
65$166$325$637
70$217$425$833
75$305$599$1,174
80$436$855$1,677
85$597$1,170$2,294
Female

$10,000 of coverage

Non-Smoking Rates

AgeQuarterlySemi-AnnuallyAnnually
45NANANA
50$77$152$298
55$93$182$356
60$105$206$405
65$127$249$489
70$159$311$611
75$223$438$858
80$330$647$1,270
85$493$967$1,896

#3 Royal Neighbors of America SIWL (Level)

If you are looking for a plan that offers first-day coverage but is a little more lenient than the other plans when it comes to health, this Simplified Issue Whole Life (SWIL) plan from Royal Neighbors of America could be the right decision.

Due to the health questions not being as strict, this plan comes at a slightly higher price point than the previous two plans we listed.

Quick Plan Facts

  • Available ages: 50-85
  • Coverage: $2,000-$25,000
  • Immediate coverage

Is the Royal Neighbors SIWL (Level) plan right for me?

If you have specific health conditions like diabetes, this plan would be a great choice.

But remember with more lenient health questions comes a higher monthly premium.

Visit the blog section to read a full review of this company and plan.

Quotes

Male

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$40$58$77
55$46$68$90
60$50$74$98
65$59$87$115
70$75$111$147
75$110$164$218
80$154$229$305
85$213$318$423
Female

Monthly Premiums

Non-Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$34$49$65
55$38$55$72
60$38$56$74
65$45$66$87
70$56$82$109
75$80$118$157
80$110$164$218
85$149$222$295

Sign with a cigarette on it

Male

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$52$76$101
55$61$90$119
60$68$100$132
65$83$123$163
70$110$164$218
75$157$234$311
80$206$308$410
85$287$429$571
Female

Monthly Premiums

Smoking Rates

Age$10,000$15,000$20,000
45NANANA
50$46$68$90
55$52$77$102
60$54$79$105
65$63$93$124
70$78$116$154
75$105$157$208
80$142$211$280
85$193$288$383

Other payment options

  • Quarterly
  • Semi-Annually
  • Annually
Male

$10,000 of coverage

Non-Smoking Rates

AgeQuarterlySemi-AnnuallyAnnually
45NANANA
50$121$237$456
55$141$277$532
60$153$300$576
65$179$351$676
70$228$447$860
75$336$660$1,269
80$468$919$1,768
85$648$1,271$2,445
Female

$10,000 of coverage

Non-Smoking Rates

AgeQuarterlySemi-AnnuallyAnnually
45NANANA
50$103$201$387
55$114$224$432
60$116$229$440
65$136$267$513
70$169$332$639
75$243$477$917
80$336$660$1,269
85$453$889$1,710

#4 Guarantee Trust Life Heritage (Graded)

This plan is meant for someone with past health concerns who is able to answer favorably to five health questions.

Coverage comes with a two-year waiting period with the following policy payout structure during this time.

  • Death Benefit in year 1 – premiums paid plus 5%
  • Death Benefit in year 2 – 50% of the face amount
  • Death Benefit in year 3 and beyond – 100% of the face amount

Quick Plan Facts

  • Available ages: 40-90
  • Coverage: $2,500-$25,000
  • 2-year waiting period (partial coverage after year 1)

Is the Guarantee Trust Life (Graded) plan right for me?

If you have had any major surgeries or serious health conditions this product would be a great choice. This plan is intended for people that are JUST healthy enough not to need a Guaranteed Issue policy.

Visit the blog section to read further about this plan, including the 5 health questions.

Quotes

Male

Monthly Premiums

Age$10,000$15,000$20,000
45$47$68$89
50$51$74$97
55$55$80$106
60$67$99$131
65$80$118$156
70$102$150$199
75$139$206$274
80$232$346$461
85$300$449$597

Female

Monthly Premiums

Age$10,000$15,000$20,000
45$34$49$64
50$36$52$67
55$42$62$81
60$51$74$97
65$60$88$116
70$73$108$142
75$102$151$201
80$165$245$326
85$191$284$377

Other payment options

  • Quarterly
  • Semi-Annually
  • Annually
Male

$10,000 of coverage

AgeQuarterlySemi-AnnuallyAnnually
45$140$279$558
50$152$304$608
55$165$329$658
60$202$404$808
65$240$479$958
70$305$609$1,218
75$417$834$1,668
80$697$1,394$2,788
85$902$1,804$3,608
Female

$10,000 of coverage

AgeQuarterlySemi-AnnuallyAnnually
45$102$204$408
50$107$214$428
55$127$254$508
60$152$304$608
65$180$359$718
70$220$439$878
75$307$614$1,228
80$495$989$1,978
85$572$1,144$2,288

#5 AIG (Guaranteed Issue)

When looking at Guaranteed Issue plans it is important to know when this type of plan is necessary and when it is not.

Only move forward with this product if you have one of the following conditions:

  • AIDS, ARC, HIV
  • Bedridden
  • Confined to hospital, nursing home, mental care, or Long Term Care facility
  • On Hospice
  • Diagnosed with a terminal illness
  • Currently have or receiving treatment for invasive cancer
  • In the past 24 months diagnosed with: Alzheimer’s, Dementia or Memory Loss, receiving Kidney Dialysis, 24-hour Continuous Oxygen use, Implanted Difibulator, or Organ Transplant

If you do not have any of these conditions you will be able to qualify for a less expensive plan with the possibility of no waiting period.

If you do have one of these conditions Guaranteed Issue is the best plan you will find as it asks no medical questions.

Quick Plan Facts

  • Available ages: 50-80
  • Coverage: $2,500-$25,000
  • 2-year waiting period

Is the AIG (Guaranteed Issue) plan right for me?

You should only pursue this plan if you have one of the prior listed serious or chronic conditions. Speak with an independent agent to make sure you do not have another option available to you.

Visit the blog section to read further about this plan from AIG.

Quotes

Male

Monthly Premiums

Age$10,000$15,000$20,000
45NANANA
50$52$77$102
55$57$84$125
60$63$94$138
65$84$125$185
70$98$146$215
75$139$207$303
80$246$369$539
85NANANA
Female

Monthly Premiums

Age$10,000$15,000$20,000
45NANANA
50$36$53$74
55$43$64$95
60$50$74$110
65$62$91$135
70$75$111$164
75$107$160$235
80$175$262$384
85NANANA

Other payment options

  • Quarterly
  • Semi-Annually
  • Annually
Male

$10,000 of coverage

AgeQuarterlySemi-AnnuallyAnnually
45NANANA
50$156$311$623
55$171$341$682
60$189$379$757
65$252$505$1009
70$294$589$1,177
75$415$831$1,661
80$739$1,477$2,955
85NANANA
Female

$10,000 of coverage

AgeQuarterlySemi-AnnuallyAnnually
45NANANA
50$107$215$430
55$130$259$518
60$150$300$600
65$185$369$738
70$223$447$894
75$321$643$1,285
80$526$1,052$2,103
85NANANA

Why Willamette Life?

Willamette Life is an independent agency that specializes in helping those who are in need of coverage for their burial. This allows the team at Willamette Life to understand every detail of the products we represent, making us market leaders in this niche.

The goal of Willamette Life is to place each client with an affordable policy that they want and need, ultimately allowing them to care for their family after they are gone.

Final thoughts chalkboard

Final Thoughts

a. When looking for Burial Insurance quotes always do your homework and due diligence when looking into prices. There are many different options to choose from when buying a policy and it’s important to make sure the plan is the right fit for any potential health concerns.

If you find the lowest price but cannot qualify for the plan medically, then the low price is irrelevant.

b. Work with an independent agent to assist you with your end of life expenses. Independent agents will have access to a variety of carriers that fit the needs of all different people.

Call Willamette Life at 844-576-0019

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