Burial Insurance Quotes: What Does Funeral Insurance Cost?

Finding the lowest prices and best burial insurance companies should not be a complex task. To help you, we have put together a complete guide to funeral insurance quotes.

Quick Links

40 – 49 Quotes
50 – 59 Quotes
60 – 69 Quotes
70 – 79 Quotes
80 – 89 Quotes
How Prices are Calculated
FAQs
How to Get Coverage

How Much Does Burial Insurance Cost?

$50 – $90 is the average monthly cost for burial insurance. Age, gender, health, policy amount, and tobacco usage affect the monthly price seniors will pay. However, the price you pay could be higher or lower than the average, depending on these important factors.

There are specific features that make funeral life insurance for seniors better than other coverage options. Most final expense insurance plans are a type of whole life insurance coverage. Every whole life plan comes with permanent benefits.

Lower Coverage Amounts
No Medical Exams
Coverage Never Expires
Coverage Never Decreases
Premiums Never Increase
Builds Cash Value

Burial Insurance Quotes Online

There are many ways to get final expense insurance quotes online. For convenience, we have compiled price charts, by age, that seniors can expect to pay for coverage. If you would like a death benefit amount not listed below, use the customizable quote machine on this page.

The price charts below are separated by gender, tobacco use, and policies with and without a waiting period. Waiting periods are assessed based on the health of the applicant. There are no exams for final expense insurance, but applicants will have to answer a short series of health questions.

40 – 49 Burial Insurance Quotes

40 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$24	$34	$44
Female: Smoking, No Waiting Period	$34	$49	$64
Female: Guaranteed Issue	$40	$59	$78


Male: Non-Smoking, No Waiting Period	$26	$38	$49
Male: Smoking, No Waiting Period	$34	$50	$65
Male: Guaranteed Issue	$50	$73	$96

41 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$24	$34	$45
Female: Smoking, No Waiting Period	$34	$50	$65
Female: Guaranteed Issue	$41	$60	$80


Male: Non-Smoking, No Waiting Period	$27	$39	$51
Male: Smoking, No Waiting Period	$36	$52	$68
Male: Guaranteed Issue	$50	$74	$98

42 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$25	$35	$46
Female: Smoking, No Waiting Period	$35	$51	$66
Female: Guaranteed Issue	$43	$63	$83


Male: Non-Smoking, No Waiting Period	$28	$40	$52
Male: Smoking, No Waiting Period	$37	$54	$70
Male: Guaranteed Issue	$52	$77	$101

43 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$25	$36	$46
Female: Smoking, No Waiting Period	$36	$52	$68
Female: Guaranteed Issue	$45	$65	$86


Male: Non-Smoking, No Waiting Period	$29	$41	$54
Male: Smoking, No Waiting Period	$38	$55	$73
Male: Guaranteed Issue	$54	$79	$105

44 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$25	$36	$47
Female: Smoking, No Waiting Period	$36	$53	$69
Female: Guaranteed Issue	$45	$67	$88


Male: Non-Smoking, No Waiting Period	$29	$42	$55
Male: Smoking, No Waiting Period	$39	$57	$75
Male: Guaranteed Issue	$55	$80	$106

45 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$23	$32	$42
Female: Smoking, No Waiting Period	$29	$42	$55
Female: Guaranteed Issue	$46	$68	$90


Male: Non-Smoking, No Waiting Period	$27	$39	$51
Male: Smoking, No Waiting Period	$36	$53	$69
Male: Guaranteed Issue	$55	$82	$108

46 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$23	$33	$43
Female: Smoking, No Waiting Period	$30	$43	$56
Female: Guaranteed Issue	$47	$69	$91


Male: Non-Smoking, No Waiting Period	$28	$40	$52
Male: Smoking, No Waiting Period	$37	$53	$70
Male: Guaranteed Issue	$56	$83	$110

47 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$23	$34	$44
Female: Smoking, No Waiting Period	$30	$43	$56
Female: Guaranteed Issue	$48	$70	$93


Male: Non-Smoking, No Waiting Period	$28	$41	$53
Male: Smoking, No Waiting Period	$37	$54	$71
Male: Guaranteed Issue	$57	$84	$111

48 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$24	$34	$45
Female: Smoking, No Waiting Period	$31	$44	$58
Female: Guaranteed Issue	$49	$72	$95


Male: Non-Smoking, No Waiting Period	$20	$42	$55
Male: Smoking, No Waiting Period	$38	$55	$73
Male: Guaranteed Issue	$59	$87	$115

49 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$24	$35	$46
Female: Smoking, No Waiting Period	$31	$45	$59
Female: Guaranteed Issue	$50	$73	$96


Male: Non-Smoking, No Waiting Period	$30	$43	$57
Male: Smoking, No Waiting Period	$39	$56	$74
Male: Guaranteed Issue	$59	$87	$115

50 – 59 Burial Insurance Quotes

50 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$24	$35	$45
Female: Smoking, No Waiting Period	$32	$46	$60
Female: Guaranteed Issue	$39	$57	$80


Male: Non-Smoking, No Waiting Period	$31	$44	$58
Male: Smoking, No Waiting Period	$38	$56	$173
Male: Guaranteed Issue	$56	$83	$110

51 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$25	$36	$47
Female: Smoking, No Waiting Period	$33	$48	$63
Female: Guaranteed Issue	$40	$58	$86


Male: Non-Smoking, No Waiting Period	$31	$46	$60
Male: Smoking, No Waiting Period	$39	$58	$76
Male: Guaranteed Issue	$57	$84	$112

52 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$26	$37	$48
Female: Smoking, No Waiting Period	$34	$50	$65
Female: Guaranteed Issue	$41	$60	$91


Male: Non-Smoking, No Waiting Period	$32	$47	$61
Male: Smoking, No Waiting Period	$41	$60	$78
Male: Guaranteed Issue	$58	$86	$117

53 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$26	$38	$50
Female: Smoking, No Waiting Period	$35	$52	$68
Female: Guaranteed Issue	$43	$64	$95


Male: Non-Smoking, No Waiting Period	$33	$48	$62
Male: Smoking, No Waiting Period	$44	$65	$85
Male: Guaranteed Issue	$59	$87	$124

54 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$27	$39	$51
Female: Smoking, No Waiting Period	$37	$53	$70
Female: Guaranteed Issue	$45	$66	$99


Male: Non-Smoking, No Waiting Period	$34	$50	$65
Male: Smoking, No Waiting Period	$46	$67	$89
Male: Guaranteed Issue	$60	$89	$130

55 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$28	$40	$52
Female: Smoking, No Waiting Period	$39	$56	$74
Female: Guaranteed Issue	$47	$69	$103


Male: Non-Smoking, No Waiting Period	$36	$52	$69
Male: Smoking, No Waiting Period	$48	$70	$92
Male: Guaranteed Issue	$61	$91	$135

56 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$29	$41	$54
Female: Smoking, No Waiting Period	$40	$58	$76
Female: Guaranteed Issue	$48	$72	$107


Male: Non-Smoking, No Waiting Period	$37	$54	$72
Male: Smoking, No Waiting Period	$50	$73	$97
Male: Guaranteed Issue	$63	$94	$139

57 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$30	$43	$57
Female: Smoking, No Waiting Period	$412	$60	$79
Female: Guaranteed Issue	$50	$74	$110


Male: Non-Smoking, No Waiting Period	$39	$57	$74
Male: Smoking, No Waiting Period	$52	$76	$101
Male: Guaranteed Issue	$65	$96	$130

58 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$31	$45	$58
Female: Smoking, No Waiting Period	$42	$62	$81
Female: Guaranteed Issue	$51	$76	$114


Male: Non-Smoking, No Waiting Period	$40	$59	$77
Male: Smoking, No Waiting Period	$54	$80	$105
Male: Guaranteed Issue	$66	$98	$146

59 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$32	$46	$60
Female: Smoking, No Waiting Period	$44	$64	$84
Female: Guaranteed Issue	$53	$78	$117


Male: Non-Smoking, No Waiting Period	$42	$61	$80
Male: Smoking, No Waiting Period	$57	$83	$110
Male: Guaranteed Issue	$67	$100	$148

60 – 69 Burial Insurance Quotes

60 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$33	$48	$63
Female: Smoking, No Waiting Period	$45	$66	$87
Female: Guaranteed Issue	$54	$80	$119


Male: Non-Smoking, No Waiting Period	$44	$64	$84
Male: Smoking, No Waiting Period	$60	$88	$116
Male: Guaranteed Issue	$68	$101	$149

61 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$35	$50	$66
Female: Smoking, No Waiting Period	$47	$70	$92
Female: Guaranteed Issue	$57	$85	$126


Male: Non-Smoking, No Waiting Period	$46	$68	$90
Male: Smoking, No Waiting Period	$63	$93	$123
Male: Guaranteed Issue	$73	$108	$160

62 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$36	$52	$69
Female: Smoking, No Waiting Period	$50	$73	$96
Female: Guaranteed Issue	$60	$89	$133


Male: Non-Smoking, No Waiting Period	$49	$72	$95
Male: Smoking, No Waiting Period	$68	$100	$132
Male: Guaranteed Issue	$78	$115	$171

63 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$38	$55	$72
Female: Smoking, No Waiting Period	$52	$77	$101
Female: Guaranteed Issue	$63	$93	$138


Male: Non-Smoking, No Waiting Period	$51	$75	$99
Male: Smoking, No Waiting Period	$71	$105	$139
Male: Guaranteed Issue	$82	$122	$181

64 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$39	$57	$76
Female: Smoking, No Waiting Period	$54	$80	$106
Female: Guaranteed Issue	$65	$96	$143


Male: Non-Smoking, No Waiting Period	$54	$79	$104
Male: Smoking, No Waiting Period	$76	$112	$148
Male: Guaranteed Issue	$87	$129	$190

65 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$41	$60	$79
Female: Smoking, No Waiting Period	$57	$83	$110
Female: Guaranteed Issue	$66	$99	$146


Male: Non-Smoking, No Waiting Period	$56	$83	$110
Male: Smoking, No Waiting Period	$80	$118	$156
Male: Guaranteed Issue	$91	$135	$199

66 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$43	$64	$84
Female: Smoking, No Waiting Period	$60	$89	$117
Female: Guaranteed Issue	$70	$104	$154


Male: Non-Smoking, No Waiting Period	$60	$88	$117
Male: Smoking, No Waiting Period	$85	$127	$168
Male: Guaranteed Issue	$95	$141	$208

67 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$46	$67	$89
Female: Smoking, No Waiting Period	$64	$94	$124
Female: Guaranteed Issue	$73	$108	$160


Male: Non-Smoking, No Waiting Period	$63	$93	$123
Male: Smoking, No Waiting Period	$91	$135	$179
Male: Guaranteed Issue	$98	$146	$215

68 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$48	$71	$93
Female: Smoking, No Waiting Period	$67	$99	$131
Female: Guaranteed Issue	$75	$112	$166


Male: Non-Smoking, No Waiting Period	$67	$99	$130
Male: Smoking, No Waiting Period	$97	$143	$190
Male: Guaranteed Issue	$101	$150	$222

69 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$51	$75	$98
Female: Smoking, No Waiting Period	$70	$104	$138
Female: Guaranteed Issue	$78	$116	$172


Male: Non-Smoking, No Waiting Period	$71	$105	$138
Male: Smoking, No Waiting Period	$101	$151	$200
Male: Guaranteed Issue	$104	$154	$227

70 – 79 Burial Insurance Quotes

70 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$53	$78	$103
Female: Smoking, No Waiting Period	$74	$110	$146
Female: Guaranteed Issue	$80	$120	$177


Male: Non-Smoking, No Waiting Period	$73	$108	$143
Male: Smoking, No Waiting Period	$107	$159	$212
Male: Guaranteed Issue	$106	$182	$233

71 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$56	$83	$109
Female: Smoking, No Waiting Period	$79	$117	$155
Female: Guaranteed Issue	$88	$132	$194


Male: Non-Smoking, No Waiting Period	$79	$117	$154
Male: Smoking, No Waiting Period	$115	$171	$227
Male: Guaranteed Issue	$116	$173	$254

72 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$58	$86	$114
Female: Smoking, No Waiting Period	$85	$125	$166
Female: Guaranteed Issue	$96	$143	$211


Male: Non-Smoking, No Waiting Period	$84	$124	$165
Male: Smoking, No Waiting Period	$121	$181	$240
Male: Guaranteed Issue	$125	$187	$275

73 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$64	$94	$124
Female: Smoking, No Waiting Period	$90	$133	$176
Female: Guaranteed Issue	$103	$154	$226


Male: Non-Smoking, No Waiting Period	$89	$133	$176
Male: Smoking, No Waiting Period	$130	$194	$257
Male: Guaranteed Issue	$134	$200	$294

74 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$68	$100	$132
Female: Smoking, No Waiting Period	$95	$141	$187
Female: Guaranteed Issue	$110	$164	$241


Male: Non-Smoking, No Waiting Period	$95	$141	$187
Male: Smoking, No Waiting Period	$137	$204	$270
Male: Guaranteed Issue	$143	$213	$312

75 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$72	$107	$142
Female: Smoking, No Waiting Period	$100	$148	$197
Female: Guaranteed Issue	$116	$173	$254


Male: Non-Smoking, No Waiting Period	$100	$148	$197
Male: Smoking, No Waiting Period	$145	$216	$287
Male: Guaranteed Issue	$150	$223	$328

76 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$78	$116	$153
Female: Smoking, No Waiting Period	$109	$162	$215
Female: Guaranteed Issue	$133	$198	$291


Male: Non-Smoking, No Waiting Period	$107	$159	$211
Male: Smoking, No Waiting Period	$160	$238	$317
Male: Guaranteed Issue	$175	$261	$383

77 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$84	$124	$164
Female: Smoking, No Waiting Period	$118	$175	$232
Female: Guaranteed Issue	$148	$222	$325


Male: Non-Smoking, No Waiting Period	$114	$170	$225
Male: Smoking, No Waiting Period	$174	$259	$345
Male: Guaranteed Issue	$199	$298	$414

78 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$88	$131	$174
Female: Smoking, No Waiting Period	$127	$188	$250
Female: Guaranteed Issue	$163	$244	$358


Male: Non-Smoking, No Waiting Period	$122	$182	$241
Male: Smoking, No Waiting Period	$186	$277	$369
Male: Guaranteed Issue	$122	$182	$415

79 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$93	$139	$184
Female: Smoking, No Waiting Period	$134	$200	$265
Female: Guaranteed Issue	$177	$265	$388


Male: Non-Smoking, No Waiting Period	$130	$193	$256
Male: Smoking, No Waiting Period	$196	$293	$390
Male: Guaranteed Issue	$206	$308	$415

80 – 89 Burial Insurance Quotes

80 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$98	$146	$194
Female: Smoking, No Waiting Period	$135	$201	$267
Female: Guaranteed Issue	$190	$283	$411


Male: Non-Smoking, No Waiting Period	$140	$208	$276
Male: Smoking, No Waiting Period	$206	$308	$409
Male: Guaranteed Issue	$206	$308	$416

81 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$106	$158	$209
Female: Smoking, No Waiting Period	$147	$219	$291
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$150	$223	$297
Male: Smoking, No Waiting Period	$219	$327	$434
Male: Guaranteed Issue	NA	NA	NA

82 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$114	$169	$225
Female: Smoking, No Waiting Period	$161	$239	$318
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$160	$239	$317
Male: Smoking, No Waiting Period	$238	$356	$474
Male: Guaranteed Issue	NA	NA	NA

83 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$121	$180	$239
Female: Smoking, No Waiting Period	$171	$255	$338
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$171	$255	$339
Male: Smoking, No Waiting Period	$171	$255	$339
Male: Guaranteed Issue	NA	NA	NA

84 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$129	$191	$254
Female: Smoking, No Waiting Period	$180	$268	$365
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$182	$271	$361
Male: Smoking, No Waiting Period	$269	$402	$534
Male: Guaranteed Issue	NA	NA	NA

85 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$136	$202	$269
Female: Smoking, No Waiting Period	$192	$287	$381
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$193	288$	$382
Male: Smoking, No Waiting Period	$283	$423	$563
Male: Guaranteed Issue	NA	NA	NA

86 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$171	$255	$339
Female: Smoking, No Waiting Period	$257	$383	$510
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$236	$353	$469
Male: Smoking, No Waiting Period	$394	$589	$784
Male: Guaranteed Issue	NA	NA	NA

87 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$206	$307	$408
Female: Smoking, No Waiting Period	$299	$447	$594
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$277	$413	$550
Male: Smoking, No Waiting Period	$453	$678	$903
Male: Guaranteed Issue	NA	NA	NA

88 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$241	$359	$478
Female: Smoking, No Waiting Period	$341	$510	$679
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$317	$474	$631
Male: Smoking, No Waiting Period	$513	$767	$1022
Male: Guaranteed Issue	NA	NA	NA

89 Year Old Burial Insurance Quotes
Gender & Policy Info	$10,000	$15,000	$20,000
Female: Non-Smoking, No Waiting Period	$275	$411	$547
Female: Smoking, No Waiting Period	$384	$574	$764
Female: Guaranteed Issue	NA	NA	NA


Male: Non-Smoking, No Waiting Period	$358	$535	$712
Male: Smoking, No Waiting Period	$572	$857	$1141
Male: Guaranteed Issue	NA	NA	NA

How Funeral Insurance Quotes are Determined

Several factors determine how much funeral insurance costs and the eventual price seniors pay for coverage.

Age

Age is the starting point for price and eligibility. Generally speaking, the older you are, the more it will cost for final expense coverage. These prices are locked in for life, so the younger you are when taking out a policy, the less you will be spending each month.

Most carriers will provide coverage to those in the age range of 50-85. Some plans do not have a minimum age, while others accept applicants up to 90 years old. It varies by provider and policy.

Gender

In the United States, men have a shorter life expectancy than women, which explains that life insurance quotes for males are slightly higher than for females. Funeral insurance companies expect women to live longer, thus paying the premiums for a more extended period of time. Depending on the amount of coverage, men can expect to pay 25% – 40% more than women in similar health.

Policy Amount

Knowing the funeral costs in your area will help you decide how large a death benefit is needed. The more coverage that is taken out, the higher you can expect the monthly premium to be.

Health

Health is the most important item on the list. Certain carriers may not accept you if you have a medical concern or diagnosis, while others will. It truly depends on the condition.

Each company has the ability to decide which health concerns it will accept or decline for coverage. For example, if you have been diagnosed with a heart condition, one company might deny your application while another company will accept you.

This particular type of product gets very specific from company to company when it comes to health. It is best to have a final expense insurance expert guide you through the process.

Smoking vs. Non-Smoking

As shown above, funeral insurance companies can charge more to seniors who smoke. However, depending on your method of choice and frequency, some life insurance companies will give special consideration.

FAQs About Burial Insurance Quotes

What If I Can’t afford a Final Expense Insurance Policy?

Final expense life insurance is flexible and financially friendly. Coverage amounts range from $2,000 – $50,000 and can be adjusted to accommodate any budget, giving seniors access to permanent whole life insurance. Work with a highly rated independent agent who has access to multiple companies to find your best option for life insurance coverage.

Other Coverage Amounts

Is Burial Insurance Cheaper than Life Insurance?

Burial insurance is designed to pay for your funeral costs, while traditional life insurance is designed to replace income. This is why funeral insurance comes in lower coverage amounts and is a much more affordable option while still offering the same permanent benefits as a whole life insurance policy.

Is it Worth Getting Funeral Insurance?

Life insurance is a necessary financial tool for individuals and families with no savings to cover final expenses. By allowing seniors to prepare for funeral expenses simply and affordably, burial insurance is worth the cost.

Do Funeral Homes Offer Burial Insurance?

Some funeral homes offer preneed insurance, a more restrictive policy than whole life final expense insurance. You are only allowed to use the financial distribution on specific items tied directly to the funeral. This does not allow for other final expenses such as mortgage payments, medical bills, and other outstanding debt.

What is the Life Insurance Offer that I got in the Mail?

The state-regulated life insurance program is a marketing ploy sent by an advertising agency on behalf of a life insurance broker. It is not a special offer, and it is not endorsed by any government agency. The state regulates all life insurance, so this is a play on words.

senior couple on computer

How Do I Get Final Expense Insurance?

There are three ways to purchase burial and final expense insurance coverage.

Directly from the Company: Insurance companies send tons of mail to seniors’ mailboxes and advertise on television. These options are usually overpriced, and seniors should look elsewhere. It is also important to note that you will not be saving any money by going directly through the insurance provider. Most life insurance companies contract their products out for independent agents to represent.

Captive Agent: This agent type has access to one company only. Meaning that even if another company offers a better plan or lower cost, this agent cannot use the other carrier. This becomes problematic because each company has different underwriting standards and price points. Captive agents may not even realize that there are better policies available for your specific situation.

Independent Agent: Working with an independent agent is the best option because they are not tied to one specific insurance carrier. With access to many companies, a highly rated independent agent will be able to secure you coverage at the lowest possible price.

Why Willamette Life?

Willamette Life specializes in burial life insurance. Our single focus is to find seniors and their families affordable funeral insurance coverage for healthy and high-risk individuals. To receive a free quote estimate, use the online quote tool on this page.

The applicant’s health will determine if they can qualify for funeral insurance with no waiting period. The immediate coverage options are the plans that cost less. Willamette Life agents will compare against many of the best final expense insurance companies to find the top option for each client’s needs.

smiling senior couple in Hawaiian shirts

Final Thoughts

a. Finding the lowest burial insurance quotes for seniors is simple and easy. The average cost of funeral insurance is $50 – $90 a month but depends heavily on your age, gender, policy amount, and well-being. The healthier someone is, the less they can expect to pay.

b. Several excellent life insurance companies offer cheap monthly rates. The main objective is to find the best provider for your specific health and financial situation because there is no one-size-fits-all solution.

c. Contact an independent final expense insurance agency to help you find the best coverage. These agencies will have access to multiple carriers and will be your best option to receive the lowest possible cost.

Jake Irving

I’m the owner and founder of Willamette Life Insurance. Willamette Life specializes in Final Expense Insurance. We compare prices with different insurance carriers while finding the perfect match for your health and budget. This company was started to help educate the public on why Final Expense Insurance could be a great option for them and their family. We strive to be friendly, informative, and always have the client’s best interest as our top priority. Everything in this article is my own professional opinion and experiences I have had during my time in helping clients.

How Much Does Burial Insurance Cost?

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