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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 Quotes
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.
MaleMonthly 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 |
FemaleMonthly 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 |
MaleMonthly 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 |
FemaleMonthly 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
MaleMonthly 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 |
FemaleMonthly 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 |
MaleMonthly 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 |
FemaleMonthly 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 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
MaleMonthly Premiums Non-Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 | $300 | NA |
FemaleMonthly Premiums Non-Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 | $247 | NA |
MaleMonthly Premiums Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 | $314 | NA |
FemaleMonthly Premiums Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 | $314 | NA |
Other payment options
- Quarterly
- Semi-Annually
- Annually
Male$10,000 of coverage Non-Smoking Rates | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 45 | NA | NA | NA |
| 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 45 | NA | NA | NA |
| 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
MaleMonthly Premiums Non-Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 |
FemaleMonthly Premiums Non-Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 |
MaleMonthly Premiums Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 |
FemaleMonthly Premiums Smoking Rates | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 45 | NA | NA | NA |
| 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 45 | NA | NA | NA |
| 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
MaleMonthly 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 |
FemaleMonthly 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 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 | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 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
MaleMonthly Premiums | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 |
| 85 | NA | NA | NA |
FemaleMonthly Premiums | |||
|---|---|---|---|
| Age | $10,000 | $15,000 | $20,000 |
| 45 | NA | NA | NA |
| 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 |
| 85 | NA | NA | NA |
Other payment options
- Quarterly
- Semi-Annually
- Annually
Male$10,000 of coverage | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 45 | NA | NA | NA |
| 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 |
| 85 | NA | NA | NA |
Female$10,000 of coverage | |||
|---|---|---|---|
| Age | Quarterly | Semi-Annually | Annually |
| 45 | NA | NA | NA |
| 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 |
| 85 | NA | NA | NA |
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
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
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.