Is There Free Burial Insurance For Seniors?

There is no such thing as free burial insurance. If you want insurance to cover your funeral, you must pay for it.

Important
No federal or state municipality provides free government burial insurance. The only government entity that provides money (only $255) for funeral expenses is Social Security.

Thankfully, final expense policies were designed for seniors on a fixed income, so they are affordable.

Be careful not to be fooled by those false advertisements that constantly appear in the mail and on Facebook.

They typically proclaim things like “new state regulated life insurance program” or something similar.

Those are very misleading forms of advertising. If you respond to one of them, life insurance agents will be calling you day and night. They will also show up at your door.

 

What Is Burial Insurance And How Does It Work?

Also known as final expense insurance, burial insurance is a small whole life insurance policy with affordable premiums.

You don’t have to take a medical exam to qualify. Some policies have health questions that determine your eligibility based on your answers to a few basic health questions. At the same time, there are final expense insurance policies with guaranteed acceptance (no underwriting).

The coverage amounts typically range from $2,000 to $50,000, allowing you to buy just the right amount of coverage needed to pay for your burial or cremation.

Since it is a whole life policy, the monthly price will never increase, and the coverage will never decrease. Additionally, it’s a permanent life insurance policy, so the coverage will never expire, regardless of age.

Upon your death, the death benefit will pay out a lump sum of cash to your family members (or funeral home).

That gives your loved ones the money needed to pay for your medical bills, credit card debts, and funeral arrangements.

 

How Much Does Final Expense Insurance Cost?

A burial expense policy will usually cost $50-$100 per month for roughly $10,000 in coverage.  Your actual rate will depend on your age, gender, health, and the amount of coverage you purchase. Below are some sample whole life prices for various coverage options.

AgeFemaleMale
40$11$12
45$13$14
50$14$17
55$15$20
60$18$23
65$22$29
70$28$37
75$37$50
80$51$69
85$68$95
86$87$120
87$105$140
88$121$160
89$131$180
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 06/27/2025.
AgeFemaleMale
40$21$23
45$23$26
50$24$31
55$28$36
60$33$43
65$41$54
70$53$70
75$71$97
80$98$134
85$136$193
86$171$236
87$206$277
88$239$317
89$260$357
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 06/27/2025.
AgeFemaleMale
40$29$34
45$32$37
50$35$44
55$40$52
60$48$63
65$59$79
70$78$103
75$105$144
80$145$200
85$196$280
86$255$353
87$307$413
88$356$474
89$388$534
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 06/27/2025.
AgeFemaleMale
40$37$44
45$42$49
50$45$57
55$52$68
60$62$83
65$78$104
70$102$136
75$138$191
80$192$265
85$260$372
86$339$469
87$408$550
88$478$631
89$547$711
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 06/27/2025.

 

Which Companies Offer The Least Expensive Funeral Insurance?

All insurance companies have different coverage options, policy terms, and prices. Also, the most affordable burial insurance companies are not available through the mail or TV. The least expensive policies are sold through licensed agents.

Below are three of the best companies to consider, which are likely to offer the most affordable final expense insurance for seniors. Both Mutual of Omaha and Aflac only sell their products through licensed agents.

3.25/5
Overall Score

Choice Mutual’s ratings are determined by a review formula that weights the following four factors to determine a score between 0 and 5:

Factor Score Value
Price of Coverage
40%
No-Waiting-Period CoverageNo Waiting Period
20%
Financial Strength
20%
NAIC Complaint Index
20%
Overall Maximum
100%

Our ratings are tested with scoring model 1.1, a review formula that ensures consistency and accuracy in our assessments.

3.25/5
  • $10K Policy Cost $43.99/month*
  • New Applicant Ages 45-80
  • Death Benefit Options $2,000-$50,000
  • 2-Year Waiting Period No
4.75/5
Overall Score

Choice Mutual’s ratings are determined by a review formula that weights the following four factors to determine a score between 0 and 5:

Factor Score Value
Price of Coverage
40%
No-Waiting-Period CoverageNo Waiting Period
20%
Financial Strength
20%
NAIC Complaint Index
20%
Overall Maximum
100%

Our ratings are tested with scoring model 1.1, a review formula that ensures consistency and accuracy in our assessments.

4.75/5
  • $10K Policy Cost $41.01/month*
  • New Applicant Ages 45-85
  • Death Benefit Options $2,000-$50,000
  • 2-Year Waiting Period No
1.5/5
Overall Score

Choice Mutual’s ratings are determined by a review formula that weights the following four factors to determine a score between 0 and 5:

Factor Score Value
Price of Coverage
40%
No-Waiting-Period CoverageNo Waiting Period
20%
Financial Strength
20%
NAIC Complaint Index
20%
Overall Maximum
100%

Our ratings are tested with scoring model 1.1, a review formula that ensures consistency and accuracy in our assessments.

1.5/5
  • $10K Policy Cost $55.00/month*
  • New Applicant Ages 45-85
  • Death Benefit Options $3,000-$25,000
  • 2-Year Waiting Period Yes

Anthony Martin
Anthony Martin
Choice Mutual CEO
Author
  • Nationally licensed life insurance agent with over 15 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 15 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.

Jeff Root
Jeff Root
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 19 years of experience
  • Best selling Amazon author.

Jeff Root is a nationally licensed life insurance expert with over 19 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.

David Duford
David Duford
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 14 years of experience
  • Best selling Amazon author of five insurance sales books.

David Duford is a nationally licensed insurance expert with over 14 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.

Jeff Root
Jeff Root
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 19 years of experience
  • Best selling Amazon author.

Jeff Root is a nationally licensed life insurance expert with over 19 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.

David Duford
David Duford
Life Insurance Expert
Editor
  • Nationally licensed life insurance agent with over 14 years of experience
  • Best selling Amazon author of five insurance sales books.

David Duford is a nationally licensed insurance expert with over 14 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.

  1. Social Security. https://www.ssa.gov/benefits/survivors/ifyou.html
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