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This Is How Much Burial Insurance Costs | An Insider’s Guide To Policy Quotes

Written by Anthony Martin | Last updated: June 16, 2019

burial insurance cost

This article will show you precisely how much burial insurance costs.

When you are on a fixed income, price is a VERY important factor. This is why the primary question for everyone is how much does funeral insurance cost?

You will get your answers in this article (plus much more).

We’ll show you burial insurance quotes online for multiple ages, how insurers determine the premiums, the average cost of a burial policy, and how you can find the best policy for you.

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What Is Burial Insurance?

Burial insurance is a very specific kind of whole life insurance policy where the proceeds of the policy are meant to pay for end of life expenses.

Very important note: Burial insurance if frequently referred to “final expense insurance” and “funeral insurance”. All three labels mean the same thing. There is no difference whatsoever.

burial insurance cost

Because burial policies for seniors are whole life insurance, the following statements completely explain how they work:

  • Fixed monthly payments for life
  • Policy can’t expire at any age
  • Death benefit is guaranteed to never decrease


Super Duper Mega Relaxed Underwriting

It’s not even a debate. The single most unique and valuable feature of burial life insurance is the underwriting.

The insurance companies built these policies to absorb the risk of some serious illnesses. This is great because that means despite some major health issues, you can still qualify!

It’s honestly rare that someone has a condition where they are unable to qualify for a policy that has no waiting period.


Low Face Amount Options

You can buy as little as $1,000 in coverage with some companies. However, most carriers seem to have a minimum of $2,000 or $5,000.

Either way, if you are only interested in buying just enough coverage to take care of your end of life expenses, whole life burial insurance is the only kind of policy that will allow you to do that.


Cold Hard Cash Paid Directly To Whoever You Want

Essentially, once the insured passes away, the insurance company will pay out the total death benefit tax free to the beneficiary(s). This gives your loved ones the money to pay for final expenses.

If there is any money left over after the funeral expenses are paid, that money stays with the beneficiaries.

burial insurance cost

You may elect any of the following as beneficiaries:

  • Children (step or adopted are acceptable)
  • Spouse
  • Parent (step is acceptable)
  • Niece or nephew
  • Cousin
  • Sibling
  • Family friend
  • Grandchildren
  • Great grandchildren
  • Aunt or Uncle
  • Funeral home
  • Pretty much any family member or person you are close with


No Exams Necessary

burial insurance cost

Funeral insurance policies will never require you to undergo an exam or provide your medical records as part of the application. You will only have to answer some questions about your health.

In fact, some policies have no health questions at all 😮! (see below for details on this)


Guaranteed Acceptance No Health Questions Available

Truthfully there are some health conditions that are so high risk that you cannot qualify for a policy that has health questions.

Rest assured that if you have one of these conditions that you can still get a new policy!

Guaranteed issue life insurance is a whole life policy that has no health questions. Your acceptance is guaranteed no matter what.

burial insurance cost

It’s important to note that ALL guaranteed acceptance policies come with a 24-month waiting period. If the insured passes away during the waiting period, the insurance company will merely refund all premiums paid plus interest.

Very Important: There is no insurance company that has a no health question policy that does not have at least a 2-year waiting period. There are over 15 different insurance companies that offer these policies, and they all have this provision.

Just remember: No health questions= 2 year waiting period no matter what.

Here are some examples of the most common health issues where a guaranteed issue funeral life expense policy is your only option.

  • Alzheimer’s or dementia
  • Dialysis
  • Organ transplants
  • Terminal illness
  • Wheelchair bound due to a chronic illness or disease
  • AIDS or HIV

Guaranteed acceptance policies are rarely the best value for someone, but they do have their place. Just make sure you try to qualify for a policy that does have health questions before you resort to a no health question policy.

More than likely, you can qualify with a company that will accept your health issues. The only question is; which company will it be?

That’s where an agency like Choice Mutual comes in. We’ll work hard to find you a company that will gladly accept your health issues and give you a policy with day one coverage. Plus, we’ll find you which company will give you the least expensive funeral insurance quote possible.

Since we have over 15 companies to choose from, we are usually successful at doing that 😎.


Average Burial Insurance Costsburial insurance cost

The average cost of a burial insurance policy is approximately $50 per month, and the most common face amount purchased is $10,000. Your specific premium might be higher or lower depending on your age, gender, health, and the face amount you purchase.


Burial Life Insurance Quotes For Seniors Over 50

burial insurance cost

The best part about buying final expense coverage in your 50’s is that you lock in super low premiums for the rest of your life. Not to mention, being younger certainly means you are far less likely to have any serious illnesses that would prevent you from qualifying for coverage that has no waiting period.

Good for you thinking ahead 😉.

Important Note: You are not limited to these face amounts. You can buy ANY amount of coverage between $1,000- $100,000 in funeral expense protection.


50 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$13.94$24.67$35.40$46.14
Female Tobacco & No Waiting Period$16.97$31.29$45.20$58.72
Female Guaranteed Acceptance$14.53$28.14$41.75$55.37
Male No Waiting Period$16.18 $29.16 $42.13$55.11
Male Tobacco No Waiting Period$20.05$36.89$53.73$70.58
Male Guaranteed Acceptance$19.66$38.41$57.15$75.90


51 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$14.33 $25.45 $36.58 $47.70
Female Tobacco & No Waiting Period$17.44$32.24$47.03$61.82
Female Guaranteed Acceptance$15.17$29.43$43.68$57.93
Male No Waiting Period$16.75$30.30$43.85$57.41
Male Tobacco No Waiting Period$21.04$38.88$56.72$74.56
Male Guaranteed Acceptance$20.21$39.51$58.80$78.10


52 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$14.54 $25.88 $37.22 $48.56
Female Tobacco & No Waiting Period$18.20$33.75$49.17$64.49
Female Guaranteed Acceptance$15.86$30.80$45.74$60.68
Male No Waiting Period$17.16 $31.12 $45.08 $59.04
Male Tobacco No Waiting Period$21.85$40.50$59.15$77.80
Male Guaranteed Acceptance$20.90$40.88$60.87$80.85


53 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period $14.91 $26.62 $38.33 $50.04
Female Tobacco & No Waiting Period$19.06$35.31$51.36$67.41
Female Guaranteed Acceptance$16.59$32.27$47.94$63.62
Male No Waiting Period $17.70 $32.20 $46.70 $61.20
Male Tobacco No Waiting Period$22.90$42.59$62.28$81.97
Male Guaranteed Acceptance$21.77$42.63$63.48$84.33


54 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$15.33 $27.47 $39.60 $51.73
Female Tobacco & No Waiting Period$19.69$36.73$53.77$70.11
Female Guaranteed Acceptance$17.42$33.92$50.42$66.92
Male No Waiting Period$18.41 $33.61 $48.81 $64.01
Male Tobacco No Waiting Period$23.99$44.77$65.55$86.33
Male Guaranteed Acceptance$22.64$44.37$66.09$87.82


55 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$15.80$28.40$41.00$53.60
Female Tobacco & No Waiting Period$20.66$38.32$55.88$73.44
Female Guaranteed Acceptance$18.38$35.84$53.30$70.77
Male No Waiting Period$19.15$35.09$51.04$66.98
Male Tobacco No Waiting Period$25.24$47.27$69.30$91.33
Male Guaranteed Acceptance$23.51$46.11$68.70$91.30


56 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$16.24 $29.27 $42.31 $55.34
Female Tobacco & No Waiting Period$21.23$39.57$57.75$75.93
Female Guaranteed Acceptance$19.30$37.68$56.05$74.43
Male No Waiting Period$19.83 $36.45 $53.08 $69.70
Male Tobacco No Waiting Period$26.33$49.45$72.57$95.69
Male Guaranteed Acceptance$24.34$47.76$71.18$94.60


57 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$16.63 $30.06 $43.48 $56.91
Female Tobacco & No Waiting Period$21.96$40.72$59.47$78.23
Female Guaranteed Acceptance$20.30$39.69$59.08$78.47
Male No Waiting Period$20.55 $37.91 $55.26 $72.61
Male Tobacco No Waiting Period$27.37$51.53$75.69$99.86
Male Guaranteed Acceptance$25.25$49.59$73.93$98.27


58 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$17.02 $30.83 $44.64 $58.46
Female Tobacco & No Waiting Period$22.53$41.86$61.18$80.51
Female Guaranteed Acceptance$21.36$41.80$62.24$82.68
Male No Waiting Period$21.24 $39.27 $57.30 $75.33
Male Tobacco No Waiting Period$28.41$53.61$78.82$104.02
Male Guaranteed Acceptance$26.40$51.88$77.37$102.85


59 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$17.45 $31.70 $45.95 $60.20
Female Tobacco & No Waiting Period$23.15$43.10$63.05$83.00
Female Guaranteed Acceptance$22.50$44.09$65.68$87.27
Male No Waiting Period$22.01 $40.82 $59.62 $78.43
Male Tobacco No Waiting Period$29.65$56.11$82.56$109.01
Male Guaranteed Acceptance$27.59$54.27$80.94$107.62



Funeral Insurance Rates For Seniors Over 60

burial insurance cost

The cost of burial insurance in your 60’s is still quite low. In this age bracket the insurer is taking on a moderate level of risk which is why the premiums aren’t too high.

Given the average life expectancy of someone in the USA, the insurance companies know it’s going to be quite some time before claims start rolling in which means low premiums for you 😎.

Important Note: You are not limited to these face amounts. You can buy ANY amount of coverage between $1,000- $100,000 in funeral expense protection.


60 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period $18.04 $32.87 $47.70 $62.53
Female Tobacco & No Waiting Period$23.94$44.67$65.40$86.13
Female Guaranteed Acceptance$23.57$45.14$66.70$88.27
Male No Waiting Period $22.98 $42.76 $62.53 $82.31
Male Tobacco No Waiting Period$31.11$59.02$86.92$114.83
Male Guaranteed Acceptance$28.78$56.65$84.52$112.38


61 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$18.86 $34.51 $50.17 $65.82
Female Tobacco & No Waiting Period$25.08$46.96$68.83$90.71
Female Guaranteed Acceptance$24.26$46.52$68.78$91.04
Male No Waiting Period$24.29 $45.38 $66.47 $87.56
Male Tobacco No Waiting Period$33.09$62.97$92.85$122.73
Male Guaranteed Acceptance$29.79$58.67$87.54$116.42


62 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$19.63 $36.06 $52.49 $68.92
Female Tobacco & No Waiting Period$26.22$49.24$72.26$95.28
Female Guaranteed Acceptance$25.05$48.09$71.13$94.18
Male No Waiting Period$25.55 $47.90 $70.25 $92.60
Male Tobacco No Waiting Period$35.11$67.03$98.94$130.85
Male Guaranteed Acceptance$30.85$60.78$90.70$120.63


63 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$20.46 $37.72 $54.98 $72.23
Female Tobacco & No Waiting Period$27.37$51.53$75.69$99.86
Female Guaranteed Acceptance$25.95$49.91$73.86$97.81
Male No Waiting Period$26.86 $50.52 $74.17 $97.83
Male Tobacco No Waiting Period$37.09$70.98$104.86$138.75
Male Guaranteed Acceptance$31.95$62.98$94.00$125.03


64 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$21.28 $39.36 $57.45 $75.53
Female Tobacco & No Waiting Period$28.46$53.71$78.97$104.22
Female Guaranteed Acceptance$26.98$51.97$76.95$101.93
Male No Waiting Period$28.17 $53.14 $78.11 $103.08
Male Tobacco No Waiting Period$39.12$75.04$110.95$146.87
Male Guaranteed Acceptance$33.23$65.54$97.85$130.17


65 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$22.11 $41.01 $59.91 $78.82
Female Tobacco & No Waiting Period$29.60$56.00$82.40$108.79
Female Guaranteed Acceptance$28.19$54.51$80.76$107.02
Male No Waiting Period$29.48 $55.76 $82.04 $108.31
Male Tobacco No Waiting Period$41.10$78.99$116.88$154.77
Male Guaranteed Acceptance$34.60$68.29$101.98$135.67


66 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$23.32 $43.44 $63.56 $83.68
Female Tobacco & No Waiting Period$31.37$59.54$87.71$115.88
Female Guaranteed Acceptance$29.24$57.18$84.77$112.36
Male No Waiting Period$31.27 $59.35 $87.42 $115.49
Male Tobacco No Waiting Period$43.85$84.50$125.14$165.79
Male Guaranteed Acceptance$35.84$70.77$105.69$140.62


67 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$24.53 $45.86 $67.19 $88.52
Female Tobacco & No Waiting Period$33.14$63.07$93.01$122.94
Female Guaranteed Acceptance$30.48$60.04$89.31$118.41
Male No Waiting Period$33.07 $62.93 $92.80 $122.66
Male Tobacco No Waiting Period$46.66$90.11$133.57$177.02
Male Guaranteed Acceptance$37.58$74.25$110.92$147.58


68 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$25.75 $48.29 $70.84 $93.38
Female Tobacco & No Waiting Period$34.37$66.61$98.31$130.01
Female Guaranteed Acceptance$31.81$62.70$93.59$124.18
Male No Waiting Period$34.87 $66.53 $98.19 $129.85
Male Tobacco No Waiting Period$49.42$95.63$141.84$188.06
Male Guaranteed Acceptance$39.78$78.65$117.52$156.38


69 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$27.01 $50.81 $74.61 $98.42
Female Tobacco & No Waiting Period$36.58$70.15$103.62$137.10
Female Guaranteed Acceptance$33.28$65.63$97.99$130.35
Male No Waiting Period$36.66 $70.11 $103.57 $137.02
Male Tobacco No Waiting Period$52.17$101.14$150.11$199.08
Male Guaranteed Acceptance$42.17$83.42$124.67$165.92



Burial Insurance Quotes For Seniors Over 70

burial insurance cost

Believe it or not, funeral expense insurance in your 70’s is still quite affordable. Furthermore, there are many carriers that will offer you coverage that has no waiting period (subject to underwriting approval).


Most serious illnesses typically manifest in this age bracket, so you’ll surely want to take immediate action if you don’t have any burial insurance protection to cover your end of life costs.

Don’t wait before it’s too late. Lock in immediate coverage and a manageable burial insurance cost while you still can 😌.

Important Note: You are not limited to these face amounts. You can buy ANY amount of coverage between $1,000- $100,000 in funeral expense protection.


70 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$28.22 $53.24 $78.26 $103.28
Female Tobacco & No Waiting Period$37.42$72.19$108.92$144.16
Female Guaranteed Acceptance$34.83$68.75$102.67$136.58
Male No Waiting Period$38.45 $73.70 $108.95 $144.20
Male Tobacco No Waiting Period$50.49$98.32$146.16$194.00
Male Guaranteed Acceptance$44.41$87.91$131.41$174.90


71 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$29.92 $56.63 $83.34 $110.06
Female Tobacco & No Waiting Period$39.26$75.87$112.47$149.08
Female Guaranteed Acceptance$36.67$72.42$108.17$143.92
Male No Waiting Period$40.78 $78.36 $115.93 $153.51
Male Tobacco No Waiting Period$53.32$103.98$154.65$205.31
Male Guaranteed Acceptance$38.33$74.66$110.99$147.32


72 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$31.66 $60.12 $88.58 $117.04
Female Tobacco & No Waiting Period$41.20$79.75$118.30$156.84
Female Guaranteed Acceptance$38.59$76.27$113.94$151.62
Male No Waiting Period$43.06 $82.92 $122.78 $162.64
Male Tobacco No Waiting Period$56.30$109.95$163.60$217.25
Male Guaranteed Acceptance$50.42$99.92$149.42$198.92


73 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$33.57 $63.93 $94.29 $124.65
Female Tobacco & No Waiting Period$43.40$84.15$124.90$165.64
Female Guaranteed Acceptance$40.65$80.39$120.13$159.87
Male No Waiting Period$45.61 $88.01 $130.42 $172.82
Male Tobacco No Waiting Period$59.67$116.70$173.72$230.75
Male Guaranteed Acceptance$54.08$107.25$160.42$213.59


74 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$35.49 $67.78 $100.07 $132.36
Female Tobacco & No Waiting Period$45.66$88.67$131.68$174.69
Female Guaranteed Acceptance$42.99$85.07$127.14$169.22
Male No Waiting Period$48.18 $93.16 $138.13 $183.11
Male Tobacco No Waiting Period$63.15$123.66$184.16$244.67
Male Guaranteed Acceptance$58.21$115.50$172.79$230.09


75 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$37.81 $72.41 $107.01 $141.62
Female Tobacco & No Waiting Period$48.54$94.43$140.31$186.20
Female Guaranteed Acceptance$45.60$90.29$134.98$179.67
Male No Waiting Period$51.37 $99.53 $147.69 $195.85
Male Tobacco No Waiting Period$67.57$132.49$197.42$262.34
Male Guaranteed Acceptance$62.79$124.49$185.74$246.98


76 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$40.73 $78.25 $115.77 $153.29
Female Tobacco & No Waiting Period$52.15$101.64$151.14$200.63
Female Guaranteed Acceptance$50.78$100.65$150.52$200.38
Male No Waiting Period$55.04 $106.87 $158.70 $210.54
Male Tobacco No Waiting Period$71.99$141.33$210.67$280.01
Male Guaranteed Acceptance$69.67$138.42$207.17$275.92


77 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$43.36 $83.51 $123.66 $163.81
Female Tobacco & No Waiting Period$55.45$108.25$161.05$213.85
Female Guaranteed Acceptance$56.16$110.31$164.47$218.62
Male No Waiting Period$58.42 $113.64 $168.86 $224.08
Male Tobacco No Waiting Period$76.61$150.58$224.54$298.51
Male Guaranteed Acceptance$71.45$140.90$210.34$279.79


78 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$45.82 $88.44 $131.06 $173.67
Female Tobacco & No Waiting Period$58.90$115.16$171.41$227.67
Female Guaranteed Acceptance$59.67$117.34$175.00$232.67
Male No Waiting Period$61.53 $119.86 $178.18 $236.51
Male Tobacco No Waiting Period$81.67$160.00$238.33$316.67
Male Guaranteed Acceptance$76.29$150.59$224.88$299.17


79 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$48.31 $93.41 $138.52 $183.62
Female Tobacco & No Waiting Period$63.31$123.01$182.72$242.42
Female Guaranteed Acceptance$63.65$125.29$186.94$248.58
Male No Waiting Period$64.72 $126.23 $187.74 $249.25
Male Tobacco No Waiting Period$85.00$166.67$248.33$330.00
Male Guaranteed Acceptance$81.79$161.57$241.36$321.14



Burial Insurance Price For Seniors Over 80

burial insurance cost

Whether you are looking for yourself or you are trying to buy final expense for your parents, it’s not too late.

Here’s some great news that may shock you 😮.

Getting burial life insurance for seniors over 80 that has no waiting period is still possible!

But here’s the kicker

Qualifying for a policy that immediately protects you is only possible by applying for a policy with health questions. You might be thinking that you won’t be able to qualify if you have to answer questions about your health.

This is shocking, but true.

Most health issues are actually insurable by some company out there, so don’t make the mistake of assuming you won’t qualify.

At the same time, there are some health conditions that are so high risk that getting an immediate benefit is impossible. Now that is rare, but it does happen.

Bottom line?

If you want coverage in your 80’s you need to act now. Any change in your health could jeopardize your ability to qualify for an immediate death benefit policy. Time is not on your side.

Important Note: You are not limited to these face amounts. If you are 85 or younger, you can buy ANY amount of coverage between $1,000- $100,000 in funeral expense protection. If you are 86-89, you can only buy $5,000-$10,000 in total coverage. For life insurance for people over 85, $10,000 in coverage is the most you can buy.


80 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$50.82 $98.43 $146.05 $193.66
Female Tobacco & No Waiting Period$65.23$126.86$188.50$250.13
Female Guaranteed Acceptance$68.56$135.12$201.69$268.25
Male No Waiting Period$67.93 $132.65 $197.38 $262.11
Male Tobacco No Waiting Period$87.92$172.50$257.08$341.67
Male Guaranteed Acceptance$88.57$175.15$261.72$348.30


81 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$54.71 $106.21 $157.72 $209.22
Female Tobacco & No Waiting Period$74.27$145.34$216.40$287.47
Female Guaranteed Acceptance$73.71$145.42$217.12$288.83
Male No Waiting Period$73.10 $212.89 $212.89 $282.79
Male Tobacco No Waiting Period$106.65$210.10$313.55$417.00
Male Guaranteed Acceptance$95.68$189.37$283.05$376.73


82 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$58.58 $113.96 $169.33 $224.71
Female Tobacco & No Waiting Period$79.99$156.77$233.56$310.34
Female Guaranteed Acceptance$79.56$157.12$234.68$312.23
Male No Waiting Period$78.37 $153.54 $228.71 $303.88
Male Tobacco No Waiting Period$103.66$204.66$305.67$452.62
Male Guaranteed Acceptance$103.76$205.52$307.28$409.04


83 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$62.26 $121.31 $180.36 $239.41
Female Tobacco & No Waiting Period$85.70$168.20$250.70$333.20
Female Guaranteed Acceptance$86.87$171.74$256.61$341.47
Male No Waiting Period$83.31 $163.41 $243.52 $323.62
Male Tobacco No Waiting Period$110.93$219.20$367.22$488.56
Male Guaranteed Acceptance$121.36$240.72$360.08$479.43


84 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$65.88 $128.55 $191.23 $253.90
Female Tobacco & No Waiting Period$91.05$178.90$266.75$354.59
Female Guaranteed Acceptance$94.47$186.93$279.40$371.86
Male No Waiting Period$88.24 $173.28 $258.32 $343.36
Male Tobacco No Waiting Period$119.97$237.29$392.42$522.16
Male Guaranteed Acceptance$134.97$267.93$400.90$533.86


85 Years Old

GENDER & RATING$5,000$10,000$15,000$20,000
Female No Waiting Period$69.55 $135.90 $202.25 $268.60
Female Tobacco & No Waiting Period$96.45$189.70$282.95$376.20
Female Guaranteed Acceptance$103.10$204.20$305.31$406.41
Male No Waiting Period$93.18 $183.15 $273.13 $363.10
Male Tobacco No Waiting Period$141.39$279.58$417.77$555.97
Male Guaranteed Acceptance$150.43$298.86$447.30$595.73


86 Years Old

GENDER & RATING$3,000$5,000$8,000$10,000
Female No Waiting Period$54.58$88.75$140.00$174.17
Female Tobacco & No Waiting Period$64.33$105.00$166.00$206.67
Female Guaranteed AcceptanceN/AN/AN/AN/A
Male No Waiting Period$68.58$112.08$177.33$220.83
Male Tobacco No Waiting Period$86.83$142.50$226.00$281.67
Male Guaranteed AcceptanceN/AN/AN/AN/A


87 Years Old

GENDER & RATING$3,000$5,000$8,000$10,000
Female No Waiting Period$58.33$88.75$150.00$186.67
Female Tobacco & No Waiting Period$68.58$112.08$177.33$220.83
Female Guaranteed AcceptanceN/AN/AN/AN/A
Male No Waiting Period$75.08$122.92$194.67$242.50
Male Tobacco No Waiting Period$93.83$154.17$244.67$305.00
Male Guaranteed AcceptanceN/AN/AN/AN/A


88 Years Old

GENDER & RATING$3,000$5,000$8,000$10,000
Female No Waiting Period$61.83$100.83$159.33$198.33
Female Tobacco & No Waiting Period$73.08$119.58$189.33$235.83
Female Guaranteed AcceptanceN/AN/AN/AN/A
Male No Waiting Period$81.58$133.75$212.00$264.17
Male Tobacco No Waiting Period$100.83$165.83$263.33$328.33
Male Guaranteed AcceptanceN/AN/AN/AN/A


89 Years Old

GENDER & RATING$3,000$5,000$8,000$10,000
Female No Waiting Period$65.58$107.08$169.33$210.83
Female Tobacco & No Waiting Period$77.33$126.67$200.67$250.00
Female Guaranteed AcceptanceN/AN/AN/AN/A
Male No Waiting Period$88.08$144.58$229.33$285.83
Male Tobacco No Waiting Period$107.83$177.50$282.00$351.67
Male Guaranteed AcceptanceN/AN/AN/AN/A


How The Insurance Companies Determine Your Cost Of Burial Insurance

To answer the question how much is burial insurance, it’s important to understand how insurance companies determine how much to charge for each person.

Remember, burial insurance is life insurance. Your funeral insurance cost will be a function of a few different variables.

What you pay, will almost certainly not be what someone else pays (unless they are nearly identical to you).


1) Your Gender

Being male or female is probably one the most influential factors that determine the cost. Men will always pay more than women.burial insurance cost

The only exception to this rule would be if you live in Montana. Due to state regulations there, all genders are priced according to what men pay.

You might be wondering why men pay more than women for life insurance. The reason is simple.

Women, on average, live much longer than men do. Therefore, they pay less for all life insurance.


2) Your Age

Most every burial insurance company will have a set price for each specific age. For example, they will have a price for age 51, then age 52, then age 53 and so on.

At the same time, there are some companies that set the pricing according to an age band. For example, they will have one price for anyone who is age 50-55, or age 75-80. It’s not common, but it does happen. AARP is one such company that does this.

It should be obvious, but it needs to be known that carriers will charge a higher amount the older you get. The cost of funeral insurance will increase every time you have a birthday.

For example, if you applied for coverage at 55 rather than 50, your quotes would be higher because you are older.

Remember though, when you get your policy you lock in your monthly fee for life.


3) Your Healthburial insurance cost

Most companies that sell burial insurance have their product broken down into 2-3 risk categories. Think of it like a low, medium, and high price.

Insurers will often use words like “Level” or “Preferred” to describe their best and cheapest rating.

They will usually use words like “Graded” or “Standard” to describe their middle tier ratings. Finally, almost all of them use the word “Modified” to describe their riskiest and most expensive rating.

You can see below an example of this from an actual funeral expense company.

burial insurance cost

The lowest one they have will be the cheapest. On the flip side, their riskiest rating will carry the highest price.

In the end, your health will determine which risk classification you fall into, and that influences the cost heavily.

Also, your health could determine how much coverage you can buy from any given carrier.

For example, lets say you qualify for an insurance company’s middle tier health rating, they may only offer you up to $15,000 in coverage. That same carrier might offer someone up to $35k to someone who qualifies for their best health rating.


4) Tobacco Status

Each insurance company will have one price for non-tobacco users and a higher amount for those who do use tobacco.

Important note: Some companies will grant you a non-tobacco rating if you chew, smoke a pipe, smoke e cigarettes, or smoke cigars. Cigarettes however are universally flagged for a tobacco rating.

Most people fully understand that smoking cigarettes is a major health risk. They greatly reduce the life expectancy which is why smokers always pay more for life insurance.


5) The Amount Of Coverage You Select

Ultimately, all your other factors (gender, age, tobacco usage, health) will determine an exact cost of insurance per $1,000 in coverage. After this number has been determined, it’s simply a matter of multiplying that number times the amount of coverage you want.

For example, let’s say your cost per $1,000 comes out to be $4.43 per month. If you want $10,000 in coverage, that would carry a total monthly premium of $44.30 per month (4.43 x 10).

The more coverage you buy, the higher the price will be.


How Choice Mutual Can Find You The Best Funeral Insurance Cost Guaranteed

burial insurance cost

This may come as a shock to you, but it’s the truth.

You cannot buy burial insurance directly from the insurance companies.

For example, if you run some burial insurance quotes on this web page, you will see fees from about 20 different funeral insurance companies. Not one of those companies will sell you their insurance if you contact them directly.

The only exception to this rule pertains to guaranteed issue policies.

Those you can buy directly the from the insurance carrier. Whether you buy a no health question policy from us or directly from the insurance company, the price will be identical.


Most people would rather pay less and have coverage that protects you immediately when possible.

Does that sound like the best value to you?

If so, you will have to apply for a burial insurance plan where you are answering health questions. Policies that have health questions must be purchased through an agent.

If you were to call these burial insurance companies directly and ask them to sell you a policy, they will merely tell you to contact an agent.

Think we are putting you on?

Here’s three phone numbers. Call them and see for yourself, and confirm we are telling you the truth.

  • Mutual of Omaha 1-800-205-8193: Tell them you want to buy their “Living Promise” policy.
  • Foresters Financial 1-800-828-1540: Tell them you want to buy their “PlanRight” policy.
  • Transamerica 1-800-797-2643: Tell them you want to buy their “Immediate Solution” policy.

The point is, you are going to work with an agent at some point. The only question is…

Which one will it be?


A Winning Formula You Won’t Find Elsewhere

Here’s three major reasons why Choice Mutual should be the agency you trust to help you secure your end of life policy.

We offer a value proposition that can’t be matched by any other agency out there.

  • All we do is burial insurance. We believe in being seasoned experts at one craft rather than being mediocre at many. Just know that when you speak with us, we live eat and breath final expense insurance. There is no question about this type of insurance that we don’t have an honest answer to.
  • We are an independent agency, and we work with over 20 different insurance companies. The freedom to choose is single greatest reason why we know we can find you the best policy every time. There is no life insurance company that is the best for everyone. That just isn’t possible. Everyone’s situation is unique. Our goal would be to analyze your situation, and identify which insurance company is best for you.
  • Our objective is you. We are not married to any particular insurer. You can rest assured that we will always recommend whichever policy from whichever company that is truly the best value for you. That you can count on.

Burial Insurance Cost

We encourage you to read some of our Google business reviews to see what other satisfied customers have said about us.

You can also check our BBB rating to see that we maintain our accreditation and A+ rating.

When dealing with our agents, you will always receive friendly no pressure assistance. We don’t employ pushy sales tactics.

Our agents are here to answer your questions, and make honest recommendations. What you do with the information you receive is up to you. We are just here to help 😁.

We hope found the answer to your question of how much does burial insurance cost? Call us if you want some friendly expert help.

FYI, you can view real funeral insurance quotes online by using the quote tool on this page.


Choice Mutual is an independent agency licensed in all 50 states including DC. We work with over 20 highly rated final expense life insurance companies, so that we can compare offers from all of them to find you the best deal.

This entry was posted in Burial Insurance Cost. Bookmark the permalink.


Don-David Lusterman

Despite modest health issues typical of a man my age, I exercise by briskly walking about 6,000 steps per day, and an additional 6,000 steps each time I use a recumbent cross-country machine, usually 3 times per week. I am an author and I write and research 2-3 times per day.

April 18, 2018 at 12:34 am
    Choice Mutual

    Hey Don,

    First of all, wow great job on all the hard work. Your commitment to exercise is impressive and will surely be conducive to a long healthy life.

    The good news is you being so healthy will almost surely result in you having access to the cheapest burial insurance rates with each carrier.

    When you are ready, call us at 1-800-644-2926 and one of our agents will help you find the best policy from whichever company offers you the best rate.

    April 18, 2018 at 7:06 am
Betty Saunders

I don’t want phone calls just prices

June 5, 2018 at 9:00 am
    Choice Mutual

    Hey Betty,

    Running quotes on our website does not require that you put in a phone number or email. Run as many quotes as you’d like!

    June 5, 2018 at 9:24 am

Don’t want any calls, ONLY SEND TO MY EMAIL ADDRESS!

September 12, 2018 at 9:09 am
    Choice Mutual

    You got it.

    September 12, 2018 at 11:24 am
David Heironimus

Why the disparity with monthly premiums for the same amount of coverage from the same carrier? Liberty Banker’s Life – $10,000; $60, $87, or $94.

October 2, 2018 at 10:42 am
    Choice Mutual

    Hey David,

    Most final expense companies have 2 or 3 different health ratings. The price for each health rating will be different. They usually have a low, medium, and high rating.

    For Liberty Bankers, they have 3 ratings. The difference in price is because you’re seeing quotes for each of their health ratings. The $60 is their preferred rating, the $87 is their standard rating, and the $94 is their modified rating.

    Which rating you would qualify for (if any), would depend entirely on your health.

    Hope this answers your question. If not, don’t hesitate to call us at 1-800-644-2926.


    October 2, 2018 at 3:14 pm
Maliepo Toma

Can you please give a contact number and a funeral cover quote for my mum who is now 79yrs old, thanks

February 12, 2019 at 4:05 pm
    Choice Mutual

    Hi Maliepo,

    Call us at 1-800-644-2926. One our friendly agents will quickly get you the quotes you need for your mom.

    Talk with you soon!

    February 13, 2019 at 6:24 am
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