Burial Insurance Quotes: Lowest Possible Prices

Burial Insurance Quotes
Burial Insurance Quotes: Lowest Possible Prices

Finding prices for the best burial insurance companies should not be a hard task. To help you, we have put together a complete guide with affordable ranges of premium rates.

Our insurance experts have used a detailed process to help seniors make an informed final expense insurance purchasing decision and receive the lowest possible cost.

Burial Insurance Quotes

The chart below shows a quote range for each age. This is the estimated price that applicants can expect to pay for coverage.

Step 1: Find the appropriate gender and smoker or non-smoker rate chart

Step 2: Locate the applicant’s age on the proper chart

Step 3: Coverage amounts are listed at the top of the chart ($10,000, $15,000, or $20,000)

Step 4: For each age and coverage amount, there is a range of quotes

  • The healthier the senior is, the less premium will be required
  • The more complicated of medical history, the higher the premium will be

Female Non-Smoker

Monthly Premium Range

Age $10,000 $15,000 $20,000
45 $23 – $34 $32 – $49 $42 – $64
46 $23 – $34 $33 – $49 $43 – $64
47 $23 – $35 $34 – $50 $44 – $66
48 $24 – $35 $34 – $50 $45 – $66
49 $24 – $36 $35 – $52 $46 – $67
50 $24 – $39 $35 – $57 $45 – $80
51 $25 – $40 $36 – $58 $47 – $86
52 $26 – $41 $37 – $60 $48 – $91
53 $26 – $43 $38 – $64 $50 – $95
54 $27 – $45 $39 – $66 $51 – $99
55 $28 – $47 $40 – $69 $52 – $103
56 $29 – $48 $41 – $72 $54 – $107
57 $30 – $50 $43 – $74 $57 – $110
58 $31 – $51 $45 – $76 $58 – $114
59 $32 – $53 $46 – $78 $60 – $117
60 $33 – $54 $48 – $80 $63 – $119
61 $35 – $57 $50 – $85 $66 – $126
62 $36 – $60 $52 – $89 $69 – $133
63 $38 – $63 $55 – $93 $72 – $138
64 $39 – $65 $57 – $96 $76 – $143
65 $41 – $66 $60 – $99 $79 – $146
66 $43 – $70 $64 – $104 $84 – $154
67 $46 – $73 $67 – $108 $89 – $160
68 $48 – $75 $71 – $112 $93 – $166
69 $51 – $78 $75 – $116 $98 – $172
70 $53 – $80 $78 – $120 $103 – $177
71 $56 – $88 $83 – $132 $109 – $194
72 $58 – $96 $86 – $143 $114 – $211
73 $64 – $103 $94 – $154 $124 – $226
74 $68 – $110 $100 – $164 $132 – $241
75 $72 – $116 $107 – $173 $142 – $254
76 $78 – $133 $116 – $198 $153 – $291
77 $84 – $148 $124 – $222 $164 – $325
78 $88 – $163 $131 – $244 $174 – $358
79 $93 – $177 $139 – $265 $184 – $388
80 $98 – $190 $146 – $283 $194 – $411
81 $106 – $173 $158 – $258 $209 – $342
82 $114 – $177 $169 – $264 $225 – $351
83 $121 – $181 $180 – $270 $239 – $359
84 $129 – $186 $191 – $278 $254 – $369
85 $136 – $191 $202 – $284 $269 – $377
86 $171 – $262 $255 – $392 $339 – $521
87 $206 – $305 $307 – $456 $408 – $606
88 $241 – $347 $359 – $519 $478 – $691
89 $275 – $390 $411 – $583 $547 – $776

Male Non-Smoker

Monthly Premium Range

Age $10,000 $15,000 $20,000
45 $27 – $47 $39 – $68 $51 – $89
46 $28 – $47 $40 – $69 $52 – $91
47 $28 – $48 $41 – $70 $53 – $92
48 $29 – $50 $42 – $73 $55 – $96
49 $30 – $50 $43 – $73 $57 – $96
50 $31 – $56 $44 – $83 $58 – $110
51 $31 – $57 $46 – $84 $60 – $112
52 $32 – $58 $47 – $86 $61 – $117
53 $33 – $59 $48 – $87 $62 – $124
54 $34 – $60 $50 – $89 $65 – $130
55 $36 – $61 $52 – $91 $69 – $135
56 $37 – $63 $54 – $94 $72 – $139
57 $39 – $65 $57 – $96 $74 – $143
58 $40 – $66 $59 – $98 $77 – $146
59 $42 – $67 $61 – $100 $80 – $148
60 $44 – $68 $64 – $101 $84 – $149
61 $46 – $73 $68 – $108 $90 – $160
62 $49 – $78 $72 – $115 $95 – $171
63 $51 – $82 $75 – $122 $99 – $181
64 $54 – $87 $79 – $129 $104 – $190
65 $56 – $91 $83 – $135 $110 – $199
66 $60 – $95 $88 – $141 $117 – $208
67 $63 – $98 $93 – $146 $123 – $215
68 $67 – $101 $99 – $150 $130 – $222
69 $71 – $104 $105 – $154 $138 – $227
70 $73 – $106 $108 – $158 $143 – $233
71 $79 – $116 $117 – $173 $154 – $254
72 $84 – $125 $124 – $187 $165 – $275
73 $89 – $134 $133 – $200 $176 – $294
74 $95 – $143 $141 – $213 $187 – $312
75 $100 – $150 $148 – $223 $197 – $328
76 $107 – $175 $159 – $261 $211 – $383
77 $114 – $199 $170 – $298 $225 – $414
78 $122 – $205 $182 – $307 $241 – $415
79 $130 – $211 $193 – $315 $256 – $419
80 $140 – $232 $208 – $346 $276 – $461
81 $150 – $246 $223 – $366 $297 – $487
82 $160 – $254 $239 – $379 $317 – $504
83 $171 – $271 $255 – $404 $339 – $537
84 $182 – $284 $271 – $424 $361 – $564
85 $193 – $301 $288 – $449 $382 – $597
86 $236 – $361 $353 – $540 $469 – $718
87 $277 – $410 $413 – $613 $550 – $816
88 $317 – $458 $474 – $686 $631 – $913
89 $358 – $507 $535 – $759 $712 – $1011

No Smoking Sign

Female Smoker

Monthly Premium Range

Age $10,000 $15,000 $20,000
45 $29 – $41 $41 – $60 $54 – $79
46 $29 – $43 $42 – $63 $55 – $83
47 $29 – $45 $42 – $66 $55 – $87
48 $30 – $47 $44 – $69 $57 – $91
49 $31 – $49 $44 – $72 $58 – $95
50 $31 – $51 $45 – $75 $59 – $99
51 $32 – $53 $47 – $77 $62 – $102
52 $33 – $54 $49 – $79 $64 – $104
53 $35 – $55 $51 – $81 $66 – $107
54 $36 – $57 $53 – $83 $69 – $110
55 $38 – $58 $56 – $86 $73 – $113
56 $40 – $60 $58 – $89 $76 – $117
57 $41 – $63 $60 – $92 $79 – $122
58 $42 – $65 $62 – $96 $81 – $127
59 $44 – $67 $64 – $99 $84 – $131
60 $45 – $70 $66 – $103 $87 – $136
61 $47 – $74 $70 – $109 $92 – $144
62 $50 – $78 $73 – $115 $96 – $152
63 $52 – $82 $76 – $121 $100 – $160
64 $53 – $86 $78 – $127 $103 – $168
65 $55 – $90 $80 – $133 $106 – $176
66 $57 – $94 $84 – $140 $111 – $185
67 $59 – $99 $88 – $146 $116 – $194
68 $64 – $104 $94 – $153 $124 – $203
69 $67 – $107 $99 – $159 $131 – $211
70 $70 – $112 $104 – $166 $137 – $221
71 $75 – $118 $112 – $176 $148 – $233
72 $81 – $124 $120 – $185 $159 – $245
73 $86 – $131 $128 – $194 $169 – $258
74 $90 – $137 $134 – $204 $177 – $270
75 $96 – $143 $143 – $213 $189 – $282
76 $103 – $158 $152 – $235 $202 – $312
77 $109 – $173 $162 – $257 $214 – $342
78 $113 – $188 $168 – $280 $223 – $372
79 $117 – $203 $174 – $302 $231 – $402
80 $121 – $218 $180 – $325 $239 – $432
81 $147 – $238 $219 – $355 $291 – $472
82 $161 – $258 $239 – $385 $318 – $512
83 $171 – $277 $255 – $414 $338 – $551
84 $180 – $297 $268 – $444 $356 – $591
85 $192 – $317 $287 – $474 $381 – $631
86 $207 – $373 $309 – $558 $411 – $742
87 $224 – $428 $334 – $641 $444 – $853
88 $250 – $484 $373 – $724 $496 – $964
89 $276 – $540 $411 – $808 $547 – $1076

Male Smoker

Monthly Premium Range

Age $10,000 $15,000 $20,000
45 $36 – $52 $53 – $76 $69 – $100
46 $37 – $53 $53 – $77 $70 – $102
47 $37 – $53 $54 – $78 $71 – $103
48 $38 – $54 $55 – $79 $73 – $104
49 $39 – $54 $56 – $79 $74 – $105
50 $38 – $56 $56 – $83 $73 – $110
51 $39 – $57 $58 – $84 $76 – $112
52 $41 – $60 $60 – $86 $78 – $117
53 $44 – $63 $65 – $93 $85 – $124
54 $46 – $66 $67 – $97 $89 – $130
55 $48 – $69 $70 – $101 $92 – $135
56 $49 – $73 $73 – $108 $96 – $142
57 $51 – $77 $75 – $114 $99 – $151
58 $52 – $81 $77 – $120 $101 – $159
59 $54 – $86 $80 – $127 $105 – $168
60 $56 – $90 $83 – $133 $109 – $176
61 $59 – $98 $87 – $145 $115 – $192
62 $61 – $106 $90 – $157 $118 – $208
63 $63 – $114 $92 – $169 $122 – $224
64 $65 – $122 $95 – $181 $126 – $240
65 $67 – $130 $99 – $193 $131 – $256
66 $70 – $140 $104 – $209 $137 – $277
67 $75 – $150 $111 – $224 $147 – $297
68 $80 – $159 $118 – $237 $156 – $315
69 $83 – $168 $123 – $251 $163 – $333
70 $86 – $177 $127 – $264 $169 – $351
71 $90 – $190 $133 – $283 $176 – $376
72 $93 – $203 $138 – $302 $183 – $402
73 $97 – $216 $144 – $322 $191 – $428
74 $104 – $228 $155 – $341 $205 – $453
75 $111 – $242 $165 – $361 $219 – $480
76 $118 – $285 $175 – $426 $232 – $567
77 $125 – $300 $185 – $448 $246 – $597
78 $122 – $315 $182 – $470 $260 – $626
79 $138 – $329 $206 – $492 $273 – $655
80 $145 – $344 $216 – $514 $287 – $684
81 $219 – $375 $327 – $561 $434 – $746
82 $238 – $406 $356 – $607 $474 – $808
83 $255 – $437 $380 – $653 $506 – $870
84 $269 – $468 $402 – $700 $534 – $932
85 $283 – $499 $423 – $746 $563 – $994
86 $318 – $575 $475 – $861 $632 – $1147
87 $335 – $652 $500 – $977 $666 – $1301
88 $352 – $729 $526 – $1092 $701 – $1455
89 $369 – $806 $551 – $1207 $734 – $1608

Features For Burial Insurance Plans

Burial insurance plans are whole life coverage. Every whole life plan comes with three permanent benefits.

Coverage Never Decreases: Once you take out a policy, your coverage will never decrease. This assures peace of mind for family members and seniors that the financial resources will be there when needed.

Cost Never Raises: The monthly premium is locked in and will never rise. For senior citizens on a fixed income, this feature will allow you to understand your expenses month in and month out.

Builds Cash Value: With every payment made, a portion will go into the policy’s cash value. This allows the policy owner to borrow from the plan if they choose.

Burial Insurance Benefits

Burial insurance has two specific features that will allow the policy to be more affordable and coverage to be issued quicker.

Lower Face Amounts: Policies typically start at $2,000 with availability up to $40,000. This means the monthly premium will be much lower than a traditional whole life plan that offers higher coverage amounts. Although the premiums are lower, the same permanent benefits will be included with the coverage.

No Medical Exam: The process of underwriting for burial insurance is called simplified issue. This underwriting will allow seniors to be awarded coverage in a matter of days rather than weeks.

woman and flowers

Burial Insurance Questions

There is a list of questions our professionals commonly receive about burial coverage.

How Much Coverage Should I Purchase?

Every senior has a different financial situation and needs. Traditional burial service costs can reach upwards of $8,000 – $12,000. This is a major burden to leave behind to children or siblings. Having a plan for these costs can leave families in a situation to celebrate the deceased’s life rather than take on unexpected costs.

Is There Free Burial Insurance?

Many seniors receive promotional material to their mailbox marketing free burial insurance. If you receive anything like this, there is always a catch. Burial insurance is not free, but there are very affordable monthly premiums for seniors over 60 years old.

What is the Top Company?

Every carrier has different medical conditions they are willing to cover. The top company for you may not be the best carrier for your sibling or even your spouse. This makes choosing the way you purchase coverage so important.

couple on computer

Three Ways To Buy Burial Insurance

Company Directly: Insurance companies will send tons of mail to seniors mailboxes or advertise on television. Going with these options is a sure bet to overpay for coverage. This option is unnecessarily overpriced, and seniors should look elsewhere.

Captive: This agent type has access to one company only. Meaning that even if a company offers a better plan or cost, this agent is not allowed to use the other carrier. This becomes problematic because each company has different underwriting standards and price points.

Independent: Working with an independent agent is the top option. This is because they are not tied to one specific carrier or company. 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 singular focus is to find seniors and their families affordable coverage for healthy and high-risk conditions. To receive a price estimate, use our online quote tool on this page.

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

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Final Thoughts

a. Finding the best burial insurance quotes is simple and easy. Use the online quote tool on this page to see what price range you can expect to pay.

b. Depending on your age, gender, and health, your cost will vary. The healthier someone is, the less they can expect to pay.

c. Work with an independent agent to find the best coverage at the lowest price.

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