USAA burial insurance is available to everyone regardless of their military status. There are no health questions or medical exams required, as they guarantee your acceptance. The drawbacks are that there is a two-year waiting period before you’re insured, and the premiums are higher compared to plans that do have health questions.
Unless you have severe health issues, another provider will likely offer you better pricing and policy terms. However, if you need a policy without health questions, USAA is one of the best on the market.
- Acceptance is guaranteed (no health questions or exams).
- Coverage lasts forever.
- Underwritten by an exceptionally strong insurance company.
- Two-year waiting period before you’re covered for nonaccidental death.
- You can get lower prices elsewhere by answering health questions.
- $25,000 is the most coverage you can buy.
How Does USAA Burial Insurance Work?
USAA final expense insurance is a guaranteed issue whole life policy that does not require you to answer health questions or undergo a medical exam. Because they know nothing about your health, there is a two-year waiting period.
Death during the first two years (except from an accident) will only result in a refund of your premiums plus 10% interest. After two years, then the full life insurance payout will be granted.
It’s important to note that USAA doesn’t underwrite the coverage. Mutual of Omaha is the actual insurance provider. Mutual of Omaha partnered with USAA to promote this product to its customer base.
When you die, the policy proceeds will be disbursed as a tax-free cash payment to loved ones or a funeral home. The money can be spent with no restrictions. That means your loved ones can use the funds for cremation costs, burial expenses, debts, medical bills, or anything else.
As is the case with all forms of whole life insurance, the policy will last forever, the rate and death benefit remain level, and it will build cash value.
How Much Does USAA Final Expense Insurance Cost?
Typically, the cost of a USAA burial policy ranges from $28 to $193 per month for approximately $10,000 in coverage. Your exact age, as well as your gender, determines the price of final expense insurance and the amount of coverage you purchase.
Your health and lifestyle do not affect the price. Below is a table with some sample quotes.
| Age & Gender | $10,000 | $15,000 | $20,000 |
|---|---|---|---|
| Female age 45 | $28 | $41 | $55 |
| Male age 45 | $36 | $54 | $72 |
| Female age 50 | $30 | $45 | $60 |
| Male age 50 | $40 | $60 | $79 |
| Female age 55 | $38 | $56 | $74 |
| Male age 55 | $45 | $68 | $90 |
| Female age 60 | $43 | $64 | $84 |
| Male age 60 | $57 | $85 | $113 |
| Female age 65 | $50 | $75 | $99 |
| Male age 65 | $69 | $102 | $136 |
| Female age 70 | $64 | $95 | $127 |
| Male age 70 | $87 | $130 | $172 |
| Female age 75 | $89 | $132 | $176 |
| Male age 75 | $113 | $169 | $226 |
| Female age 80 | $127 | $190 | $253 |
| Male age 80 | $157 | $235 | $313 |
| Female age 85 | $158 | $236 | $314 |
| Male age 85 | $193 | $289 | $384 |
| Source for monthly prices: Choice Mutual quote calculator. Rates are for guaranteed acceptance coverage, rounded to the nearest dollar, and are valid as of 03/09/2026. | |||
Should You Buy USAA Burial Insurance?
If, by chance, you need a guaranteed acceptance policy, then USAA’s final expense policy is one of the best options on the market. AAA and Physicians Mutual are the only other companies that offer comparable guaranteed acceptance coverage.
However, most people can qualify for life insurance coverage with no waiting period. That will translate to being fully covered immediately and probably at a lower cost as well.
It’s generally just a matter of identifying which burial insurance company(s) will accept your health issues and approve you for immediate coverage.
How To Apply
Since USSA burial insurance is guaranteed acceptance, you won’t need to answer any health questions. You can fully apply directly on their website or by calling them at 1-888-531-9546. Be prepared to provide all your personal information (including sensitive data), beneficiary names, and payment details.
You should get a physical policy within a few weeks.
The Death Claim Process
Given that USAA does not underwrite the insurance, you need to contact Mutual of Omaha (they are the actual insurer) to file a death claim. You can reach the Mutual of Omaha claims department at 888-493-6902, or you can file the claim online. You will need a death certificate to complete the process.
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.
-
this product. https://www.usaa.com/inet/wc/insurance-guaranteed-whole-life
-
directly from Mutual of Omaha. https://www.mutualofomaha.com/promo/life-insurance/457026#quote
-
Trustpilot. https://www.trustpilot.com/review/mutualofomaha.com
-
Yelp. https://www.yelp.com/brands/usaa
-
on their website. https://www.usaa.com/inet/wc/insurance-guaranteed-whole-life?akredirect=true
-
file the claim online. https://www.mutualofomaha.com/support/help-finder/An-Individual-Customer/Claims/Life-Insurance
-
Google. https://www.google.com/search?client=firefox-b-1-d&sca_esv=6f90c12dca135a83&q=USAA+Corporate+Office&ludocid=7341051404387659836&lsig=AB86z5WTgPwnt2wS1u5LyHkI_3Jz&sa=X&ved=2ahUKEwi8idzBovmNAxVeIDQIHTRfIn4QoAJ6BAggEBw&biw=1920&bih=919&dpr=1#lrd=0x865c673221fa26cb:0x65e0a75b9468b03c,1,,,,
