Best Burial Insurance Companies Reviewed & Compared
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.
Best overall & for no waiting period: Mutual of Omaha
- No waiting period— If approved, you’re fully covered immediately for any natural or accidental death.
- No exam coverage up to $50,000— You can buy up to $50,000 in coverage without having to take a medical exam.
- Fast approvals— Most applications are approved within 24 hours.
- Agent phone call required— To buy the no waiting period policy, you must verbally speak with an agent to apply. If you buy Mutual of Omaha life insurance for seniors through the mail or on their website, there is a two-year waiting period and a maximum coverage amount of $25,000.
- Will not mail out duplicate policies— After you get the initial policy, they will not mail you a duplicate (they will only email it). However, at any time, they will send you a policy summary with all the pertinent information.
Mutual of Omaha’s “Living Promise” policy is the best plan on the market, primarily because its prices are consistently on the lowest end of the spectrum. Also, you can qualify for up to $50,000 of no waiting period coverage even if you have common health issues like diabetes.
Mutual of Omaha has best-in-class financial ratings and fewer complaints with the NAIC than most life insurance companies. After policies are in force, updating your coverage is remarkably simple, which can often be done verbally or by email. In contrast, most other companies require paper forms to be filled out, signed, and mailed back for any policy changes.
They also have the best children’s life insurance policies if you need coverage for a minor.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
Best for elderly seniors: Aetna
- Up to age 89 can apply— Aetna will issue a new policy to seniors as old as 89.
- No exam & very lenient underwriting— You can get no waiting period coverage despite having a wide variety of chronic conditions such as COPD, Parkinson’s, Multiple Sclerosis, and much more.
- Discounts available— If you have certain Aetna senior products, you might qualify for a 10% discount.
- No NAIC complaints— Aetna Life Insurance Company’s subsidiary, Accendo Life Insurance, has no registered complaints with the National Association of Insurance Commissioners, which is an incredibly rare and impressive achievement.
- No guaranteed issue option— Aetna requires you to medically qualify for their coverage by answering health questions, which means you can be denied. They presently have no guaranteed issue life insurance options.
- Delayed policy mailings—Customers often report that policies take around three weeks to arrive, which is slower than the average of other providers.
- Slow processing of payments— If your automatic payment does not clear due to insufficient funds or another reason, when you request a redraft, it will take Aetna 2-3 weeks to process your request.
Many companies offer life insurance for seniors over 80 but not over 85, which makes Aetna unique because they accept new applicants as old as 89.
Their senior burial insurance has competitive rates and will approve applicants for a no-waiting period policy despite high-risk health conditions. Also, Aetna has no weight limits, so they’re an excellent option if you’re severely overweight.
Aetna has no complaints with the NAIC, an A rating with AM Best, and an A rating with the Better Business Bureau. Over 98% of applications are approved or declined in less than 15 minutes.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
Best for young adults: Aflac
- Excellent rates for young adults— Aflac often has some of the lowest prices for adults in their 50s. The prices are still competitive above 60.
- Strong financial strength— Aflac is a renowned, trusted brand-name company with high financial marks from all major rating agencies, such as AM Best.
- No exam and favorable underwriting— Adults with various health issues (even chronic conditions) can still obtain a policy with no waiting period.
- Low age cap— Only seniors up to age 80 are eligible.
- Newer to the market— Aflac has only been offering final expense insurance since 2022, which means there’s a higher chance (compared to other seasoned providers) of administrative hiccups if you need service on an existing policy.
- Aetna & Aflac’s partnership can lead to confusion— Aflac is the insurer that bears the risk and pays the claim when you die. However, they employ Aetna to underwrite and provide administrative support for the policy. Aetna mails out the policy, drafts premiums from your account, and handles policy changes. Their arrangement is not adverse or harmful, but it can lead to confusion if your agent does not properly explain their relationship upfront.
Aflac’s funeral life insurance is a marriage of competitive premiums (particularly for younger adults) and lax underwriting. You can get no waiting period coverage for high-risk chronic conditions like COPD, Parkinson’s disease, lupus, multiple sclerosis, and diabetes, to name a few. Like Aetna, Aflac has no build chart, so your height-to-weight ratio doesn’t influence your eligibility or cost.
Aflac has an A+ rating with AM Best and the Better Business Bureau. Additionally, they have incredibly high marks from all the major insurance company rating agencies, such as S&P and Moody’s. You can trust that they have the financial means to pay their claims.
Lastly, they have a nifty online account to view your coverage and make very basic changes (you can only change your address or request a duplicate policy).
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
Best for term life coverage: AARP
- Small term policies available— AARP offers term life insurance policies with coverage as low as $10,000. Most companies that offer term life insurance require a minimum coverage of $ 25,000 to $50,000.
- Best possible financial strength— The insurance is provided by New York Life, which has the best possible financial rating (A++).
- Online application— You can fully apply online for all AARP life insurance products without having to speak with an agent
- Strict underwriting— Based on extensive consumer feedback, we consistently hear that AARP will not approve applicants with common pre-existing conditions for their no-waiting-period coverage.
- Prices are fair but beatable— While AARP’s rates are not excessively high, many other companies offer lower rates.
- No specific agent to assist you on an ongoing basis— AARP will not assign you a specific agent with whom you can regularly connect for any ongoing questions or service needs. This can be an issue since having a relationship with a particular agent can be highly beneficial and appreciated.
Some seniors prefer to opt for a term life policy meant to cover their final expenses. Even though term life insurance expires at age 80, whereas whole life insurance does not, some people chose to roll the dice, so to speak, because term life costs less. For those folks, AARP is a good solution since they offer term plans that go as low as $10,000 in coverage.
Additionally, the insurance is underwritten by New York Life, which is one of the most well-respected and financially strong insurers in the nation.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
Best for online applications: TruStage
- True online quotes— The TruStage website displays real prices, rather than simply informing you that an agent will call to deliver the quotes (which is what most insurance websites do).
- No exam— There is never a medical exam required for any of their life insurance products.
- Other providers offer lower rates— TruStage is by no means “overpriced”, but there are a healthy number of other providers that offer the same coverage at a lower cost.
- Getting no waiting period coverage can be challenging— We consistently hear from customers who applied with TruStage for a product with no waiting period, only to be denied. It appears that their underwriting does not favor applicants with common pre-existing conditions.
TruStage made a name for themself by being one of the first final expense life insurance companies to offer a true online application that does not require you to speak with an agent. It’s a very easy-to-use process that takes only minutes to complete. If you want a full digital process, then TruStage offers a good solution.
They offer a trio of products depending on your life insurance needs, including whole life insurance, term life insurance, and guaranteed issue life insurance.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
Best for guaranteed acceptance: AAA
- No health questions or exam— Approval is guaranteed, so you cannot be declined due to your medical history.
- Very low guaranteed acceptance prices— AAA is typically the cheapest or very close to it relative to other providers that offer coverage with no health questions.
- Highest interest— All guaranteed issue policies only refund premiums plus interest for the death during the first two years. AAA will refund 130%, whereas every other company is roughly 110%.
- Mandatory waiting period— You’re not covered for natural causes of death during the first two years.
- Limited coverage choices— You must choose from $3K, $5K, $7K, $10K, $15K, $20K, or $25K. Most burial insurance companies allow you to choose any increment you desire.
In addition to the very low prices, AAA will pay out double the death benefit if you die from an accident, which no other guaranteed policy will do.
If you want to buy funeral insurance online, AAA has an online application, or you can apply by calling them.
AM Best’s Financial Strength Rating (FSR) is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. The scores range from A++ to D-.
Moody’s Investors Service rates the creditworthiness of companies. The Moody’s Rating Scale has 21 possible scores ranging from “Aaa” (highest mark) down to “C” (lowest mark).
S&P Global Inc. issues credit ratings on a scale from “AAA” (highest rating) to “D” (lowest rating).
The Complaint Index compares a company’s performance to other companies in the market. The National Complaint Index is always 1.00. That means a company with a complaint index of 2.00 is twice as high as expected in the market. Reported scores are for the most recently available year and for “Individual Life” products.
Final Expense Insurance Companies Cost Comparison
How To Find The Best Final Expense Life Insurance Policy
It’s beneficial to remember that life insurance companies compete with one another primarily via price and underwriting (which health issues they do and do not accept).
With that in mind, you must compare plans from multiple companies to find the best final expense policy. No company can be the best option for everyone.
Here is a theoretical case study to illustrate the importance of comparing multiple providers.
Let’s say you are a 65-year-old female diagnosed with diabetes at age 42 who does not use tobacco.
Below is a breakdown of what each of those companies would offer to this hypothetical client:
- Mutual of Omaha, $20,000: $98.79 monthly with a two-year waiting period
- Aflac, $20,000: $83.77 monthly with no waiting period
- Aetna, $20,000: $91.70 monthly with no waiting period
Clearly, Mutual of Omaha would not be the cheapest burial insurance option. Instead, Aetna or Aflac would be a superior choice.
This theoretical client is a prime example of why comparing several companies side by side is critical to finding the best burial insurance for seniors.
Helpful advice from an experienced final expense insurance agent
David Duford is one of the nation’s most prolific final expense insurance agents.
He’s been a licensed agent for over a decade and has helped thousands of people buy burial insurance.
Here’s the best advice he offers to anyone shopping for this type of life insurance.
When shopping for any form of life insurance, you should be open to companies you’re not familiar with. – David Duford
According to Statista, there were 727 life insurance companies in the USA in 2022.
At best, 1% of them advertise on a mass scale to become household names like State Farm or Farmers.
The other 99% of companies unfamiliar to you aren’t untrustworthy or financially unstable.
They are every bit as reliable as well-known funeral insurance companies.
Those “unknown” companies simply have a different business model that relies on agencies such as Choice Mutual to sell their products.
Being open to buying from these lesser-known companies will significantly expand your options, exponentially increasing your chances of paying the least and avoiding a waiting period.
Factors you should consider
There are many factors to consider when deciding which company has the best final expense plan for your needs. Simplified issue whole life final expense policies have the same basic features and benefits. They primarily differ in price, when you’re insured, and available riders.
You should also consider how much coverage you need to buy. According to the National Funeral Directors Association, the average cost of a funeral is close to $10,000, whereas the average cost of cremation is roughly $6,000.
You can use a funeral cost calculator to help determine how much your desired funeral will cost.
Other Funeral Insurance Companies We Reviewed
Frequently Asked Questions
Dozens of final expense life insurance companies offer no waiting period, including Mutual of Omaha, Transamerica, Aetna, and Alfac, to name a few. It’s important to remember that you must qualify for a no-waiting period policy. At a minimum, you must answer health questions (no medical exam required).
Burial insurance, which is also known as funeral insurance or final expense insurance, is a type of whole life insurance meant to cover end-of-life expenses. It provides peace of mind knowing your end-of-life expenses won’t cause a financial burden for your loved ones. The requirements for burial insurance are minimal. For example, you don’t have to take a medical exam, and most applications are approved in less than 24 hours. The coverage options are usually less than $50,000, and the underwriting is very lenient so that seniors with pre-existing conditions can qualify. The policy pays out a tax-free cash benefit to your loved ones, which they can spend on anything, such as medical bills, credit cards, outstanding debts, the memorial service, and other funeral service costs. The cash payout to your beneficiaries is not subject to taxes. Alternatively, you can elect to have the money paid directly to your preferred funeral home.
Generally, a burial insurance plan with a $10,000 death benefit will cost $50-$100 monthly. It’s important to understand that the cost of final expense insurance products depends on your exact age, gender, state of residence, tobacco habits, health, and the amount of coverage you select. A whole life rate chart is helpful to get an estimate, but remember that your rate may differ based on those factors. An insurance quotes tool is advised to get an accurate estimate of what your insurance premiums may be.
A burial policy is a worthy investment if you have no other means to pay for your burial costs. A final expense policy provides instant peace of mind, knowing your family won’t go into debt trying to pay for your end-of-life expenses. Read more: Is burial insurance worth it?
All forms of life insurance (whole life, universal life, and term life) pay out a tax-free cash benefit to your beneficiaries. Your beneficiaries can spend that money on anything, including funeral expenses such as a headstone, casket, or any other funeral cost.
The short answer is yes, but it’s a tiny amount. Per the SSA.gov website, a one-time lump-sum death benefit of $255 can be paid to the surviving spouse if they qualify.
Final expense insurance will ultimately pay out a tax-free cash benefit, which can be used to cover any expense, including but not limited to:
- Funeral service
- Cremation fees
- Heatstone or marker
- Casket or urn
- Embalming
- Medical bills
- Credit card debts
There are no restrictions on how the money is spent.
There are two types of burial insurance: simplified issue and guaranteed acceptance. Neither type requires a medical exam. Simplified issue policies require you to answer health questions, and if you’re approved, there is no waiting period. Guaranteed acceptance policies don’t require you to answer health questions. Guaranteed plans always have a two-year waiting period, during which death will result in a refund of premiums only.
Generally, you need sufficient coverage to ensure that all your final expenses will be paid. That can include funeral costs, medical bills, and outstanding debts. That said, if you cannot afford the total amount of coverage as you’d like, buy what you can. Having some coverage is better than having none at all.
Many years ago, MetLife did offer burial insurance, but it has since been discontinued. MetLife currently offers life insurance, but does not offer final expense policies.
Our Insurance Review Methodology
Below is an outline of how we chose the best final expense insurance companies, along with an overview of our insurance review methodology.
How we chose the best companies
To select the best burial insurance companies for 2025, we evaluated over 25 providers- both our partner companies and competitors with whom we have no business connection.
We chose the top companies based on the following factors:
- Price: 40% – We compared the rates of all companies side by side using the Choice Mutual quote calculator. We designated price as the most significant factor since most burial insurance customers are seniors on a limited and fixed income.
- If no waiting period coverage is available: 20% – We leaned towards providers that offer policies that fully insure you from day one for both natural and accidental death.
- Financial strength: 10% – We checked each insurer’s financial strength rating from A.M. Best. We only considered companies that have at least an A rating.
- NAIC complaints: 10% – We reviewed each insurer’s complaint ratio as reported by the National Association of Insurance Commissioners.
- Consumer insights: 10% – We analyzed the insurance company’s ranking from JD Power’s life insurance survey and online customer feedback on websites such as Google, Trustpilot, and the Better Business Bureau.
- Unique value: 10% – Each of the top companies has a badge that indicates what they are best at, highlighting how they offer unique value (if anything) compared to other providers. Companies that offered no special value were excluded from consideration.
The top providers appear on this page in order of the highest overall score to the lowest. The overall score is a proprietary scoring system that Choice Mutual uses to assess the general value of any given product or company. Our scoring system is fully explained below.
Our review formula explained
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.
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.
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.
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.
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 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.
- 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.
- 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.
- 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.
- 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.
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financial ratings. https://www.mutualofomaha.com/about/financial-strength
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since 2022. https://www.prnewswire.com/news-releases/aflac-expands-consumer-directed-portfolio-in-us-with-addition-of-final-expense-whole-life-and-medicare-supplement-insurance-301600070.html
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high marks. https://investors.aflac.com/ratings/default.aspx
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Statista. https://www.statista.com/statistics/194335/total-number-of-life-insurance-companies-in-the-us/
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S&P Global. https://www.mutualofomaha.com/about/financial-strength/ratings
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National Funeral Directors Association. https://nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral
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A.M. Best. https://ratings.ambest.com/CompanyProfile.aspx?ambnum=6820&AltNum=17026820
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Moody's. https://www.moodys.com/research/null-Moodys-affirms-Aaa-ratings-of-Northwestern-Mutual-and-New-York-Rating-Action--PR_1000008574#RATINGS-RATIONALE
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S&P Global. https://www.newyorklife.com/newsroom/Company-strength-ratings-affirmed-2023
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A.M. Best. https://news.ambest.com/PR/PressContent.aspx?altsrc=3&RefNum=34182&URatingId=-1
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Moody's. https://www.trustage.com/about-us/financial-information
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S&P Global. https://www.trustage.com/about-us/financial-information
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A.M. Best. https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=7424&AltNum=21727424&AltSrc=3
