Aflac’s final expense insurance is among the best in the nation because its premiums are competitive, and most applicants can qualify for coverage with no waiting period.
Additionally, Aflac has extremely high financial ratings, so you can trust that they have the means to pay death claims when called upon.
There are certainly situations in which individuals with specific health issues would be better served by another burial insurance company. That said, Aflac is worth considering before making a final decision, as it might be your best option.
- There are no medical exams, and prices are fair relative to other companies.
- Applications are typically approved in less than five minutes.
- Seniors with serious illnesses such as COPD, Afib, and diabetes are still eligible for immediate coverage.
- You must verbally speak with a licensed agent to purchase a policy.
- Some companies, such as Living Promise from Mutual of Omaha, have lower prices.
- There are no multi-policy discounts if you have other Aflac insurance products.
How Does Aflac Final Expense Insurance Work?
Aflac burial insurance is a no-medical-exam whole life policy that quickly pays a tax-free cash benefit to cover all your final expenses, such as funeral costs, medical bills, financial debts, or any other related costs. Additionally, your beneficiaries will retain any remaining funds.
Although there is no exam, you must answer health questions to qualify. Additionally, Aflac will electronically review your medical history, providing them with a clear picture of your health history.
There are three health ratings that you may qualify for: Preferred, Standard, and Modified. There is no waiting period if you’re approved for the preferred or standard benefit. However, the modified benefit has a two-year waiting period before you’re insured for natural causes of death.
It’s a whole life policy, which means the coverage lasts your entire life, the price won’t increase, and the death benefit won’t decrease.
How Much Does Aflac Burial Insurance Cost?
Below is a whole life rate table outlining the cost of Aflac’s final expense insurance. Keep in mind that the exact cost of a burial policy will depend on your precise age, gender, state of residence, tobacco habits, health, and coverage amount.
| Age & Gender | $5,000 | $10,000 | $25,000 |
|---|---|---|---|
| Female age 45 | $15 | $25 | $57 |
| Male age 45 | $17 | $30 | $68 |
| Female age 50 | $16 | $27 | $61 |
| Male age 50 | $19 | $34 | $77 |
| Female age 55 | $17 | $29 | $67 |
| Male age 55 | $21 | $38 | $89 |
| Female age 60 | $19 | $35 | $80 |
| Male age 60 | $25 | $45 | $107 |
| Female age 65 | $24 | $44 | $104 |
| Male age 65 | $30 | $56 | $133 |
| Female age 70 | $30 | $56 | $134 |
| Male age 70 | $38 | $72 | $174 |
| Female age 75 | $43 | $82 | $199 |
| Male age 75 | $52 | $100 | $244 |
| Female age 80 | $60 | $116 | $284 |
| Male age 80 | $80 | $156 | $384 |
| Source for monthly prices: Choice Mutual quote calculator. Rates are calculated at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 03/09/2026. | |||
Should You Buy Aflac Final Expense Life Insurance?
Given the competitive premiums and lax underwriting, Aflac burial insurance is one of the top plans in the nation if you qualify for the preferred or standard rating. The modified plan is priced too high and is not worth buying.
Remember, companies that sell burial insurance for seniors compete with one another via the insurance price and underwriting (what health issues they do and don’t accept). So, while Aflac is an excellent option if you qualify, you might be better off with another company, depending on your health issues.
For example, if you have asthma, a Mutual of Omaha final expense policy would be a superior option because it would have a much lower price than Aflac.
That’s why it’s crucial to compare multiple providers before making a decision.
How Do You Apply For An Aflac Final Expense Policy?
To apply for an Aflac final expense policy, you must speak with an agent. There is no way to apply online or by mail. Whether you connect with an agent via phone or in person, they will gather all your information (name, address, SSN, DOB, beneficiaries, and payment details) and read you the health questions.
Aflac has a simplified underwriting system that delivers a decision within 5 to 10 minutes. If you’re approved, Aflac will mail you the policy, and your coverage will begin the day of your first premium payment.
Filing A Death Claim
To file a death claim on an Aflac final expense policy, you must first call them at 833-504-0336. They will send the beneficiaries a statement to sign and return. In addition, Aflac will need either the original or a copy of the death certificate. Most of the time, this is all they will need to fully process the claim.
Sadly, Aflac does not have an online claim portal to initiate or manage a death claim.
Frequently Asked Questions
Aflac final expense life insurance has no waiting period if you qualify for the preferred or standard death benefit. However, if you only qualify for the modified benefit due to a recent severe health issue, there will be a two-year waiting period.
To buy Aflac burial insurance, call 1-800-644-2926 to speak with a licensed agent authorized to sell this particular policy. Aflac does not have an internal sales department, and it cannot be bought online. Aflac’s final expense whole life insurance is exclusively sold through specific licensed agencies.
Aflac funeral insurance provides a tax-free cash benefit to your beneficiaries, which can be used to cover funeral expenses, medical bills, outstanding debts, or any other expenses.
Our Insurance Review Methodology
Every company we review has an overall score that illustrates how well it stands out in the market relative to its competitors. These scores are not subjective. Instead, we utilize a defined 5-star scoring system that applies a weighted average of particular factors, all of which are outlined below and on our review methodology page.
Coverage
Strength
Complaint Index
We measure the price of a company’s most popular they promote relative to its competitors. The closeness of their cost to other companies determines the final score. Read a full breakdown of the price of coverage factor on our review methodology page.
Coverage
Coverage
Strength
Complaint Index
This factor assesses whether a company offers immediate coverage and, if so, how difficult it is to qualify for it. Read a full breakdown of the no waiting period coverage factor on our review methodology page.
Strength
Coverage
Strength
Complaint Index
A company’s financial strength is based on its rating with A.M. Best. Read a full breakdown of the financial strength factor on our review methodology page.
Complaint Index
Coverage
Strength
Complaint Index
The National Association of Insurance Commissioners’ complaint index measures an insurer’s frequency of consumer complaints compared to the rest of the market. The score the insurer receives is based on how it stacks up to the median score of other insurers. Read a full breakdown of the NAIC complaint index factor on our review methodology page.
Why trust Choice Mutual?
When we review products, our findings are unbiased and free of any influence from partnerships or methods of compensation. All findings, good or bad, are solely the derivative of our objective analysis of any given product or company.
As noted on our review methodology page, our researchers evaluate the financial stability of the insurer, policy costs, product limitations, state availability, customer satisfaction, waiting periods (if applicable), and other relevant factors. We aggregate all this cumulative data to develop objective overall scores based on pre-defined weighted factors.
In addition, a qualified expert who is well-qualified to speak on the matter will provide opinion-based feedback about the company or product being reviewed.
For over a decade, Choice Mutual has been an insurance agency specializing in final expense life insurance. Our expertise in this type of insurance is well-documented in numerous authoritative publications, some of which are listed below:
Choice Mutual’s mission is to provide consumers with unbiased expert commentary and explanations of the topics being discussed. We want our readers to be armed with information and tools that cannot be found anywhere else on the internet, so they can truly make an informed decision.
All content on this website is written by Anthony Martin, who is a licensed life insurance agent with over a decade of expertise in this industry and has been quoted as an expert source hundreds of times by many reputable news outlets.
Per our editorial guidelines, we have never, and will never, use artificial intelligence to create our content. Every word printed on this website is produced and curated 100% by human beings who have firsthand experience with the subject matter.
- Nationally licensed life insurance agent with over 16 years of experience.
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 16 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
- Nationally licensed life insurance agent with over 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
- Nationally licensed life insurance agent with over 20 years of experience
- Best selling Amazon author.
Jeff Root is a nationally licensed life insurance expert with over 20 years of experience. He has personally helped over 3000 clients with their life insurance needs. Jeff is a best-selling Amazon author and the managing partner of a highly successful insurance brokerage that manages over 2,500 licensed insurance agents across the USA. He has been a featured life insurance source for prestigious websites such as Forbes, Bloomberg, MarketWatch, Nerdwallet, and many more.
- Nationally licensed life insurance agent with over 15 years of experience
- Best selling Amazon author of five insurance sales books.
David Duford is a nationally licensed insurance expert with over 15 years of experience. He has personally helped more than 15,000 clients buy life insurance. David has been featured as an expert source for highly authoritative publications such as A.M. Best and Insurancenewsnet. He also runs one of the largest Youtube channels to help aspiring insurance agents serve their clients better.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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Moody's. https://investors.aflac.com/ratings/default.aspx
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S&P Global. https://investors.aflac.com/ratings/default.aspx
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BBB. https://www.bbb.org/us/ga/columbus/profile/insurance-companies/aflac-0743-101327
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Trustpilot. https://www.trustpilot.com/review/www.aflac.com
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BBB Score & Accreditation. https://www.bbb.org/us/ga/columbus/profile/insurance-companies/aflac-0743-101327
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Yelp. https://www.yelp.com/brands/aflac
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A.M. Best. https://news.ambest.com/PR/PressContent.aspx?refnum=35024&altsrc=40
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Google. https://www.google.com/search?sca_esv=70a0dbe43b331d7c&q=Aflac&ludocid=7796698309424998947&lsig=AB86z5VO04U9bwePMJxK7ARTYKLl&sa=X&ved=2ahUKEwj4z8L29LWHAxVRAjQIHaIWD1gQoAJ6BAgfEAY&biw=1920&bih=911&dpr=1#lrd=0x8848d05090ff680d:0x6c336fcdc22a6a23,1,,,,
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NAIC Complaint Index. https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=60380&REALM=PROD&COCODE=60380&REALM=PROD
