These Are Real Sample Burial Insurance Rates For 52 Year Olds Updated For 2020
Written by Anthony Martin 
Founder & CEO | Licensed Agent | Forbes Author 
Fact checked by Brian Barber 
Are you looking for the price on final expense insurance for a 52 year old?
That’s what you’ll get in this article!
We are going to show you real prices, how these policies work, and review 3 of the top burial insurance companies in the nation.
Article Quick Navigation Links
Here Are Burial Insurance Rates For 52 Year Olds
In this section, you will see some real age 52 funeral insurance quotes. 
You must keep the following points in mind as you view these rates.
- We make no guarantee that you will be approved for these prices. They are all subject to underwriting approval.
- Montana residents all pay the same price regardless of gender. In MT, prices are all calculated at the male rate.
- Nicotine or tobacco usage other than cigarettes may be able to qualify for non tobacco rates.
- Face amount options are not limited to what you see here. You can actually get any amount of coverage you’d like.
- All prices for final expense plans are fixed for life and cannot increase.
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
Final Expense Policies: This Is How They Work
For starters, final expense plans are whole life insurance policies. Because it’s life insurance, the end result would simply be a tax free cash payment to your beneficiary.
Understanding how these policies work is incredibly simple.
All whole life burial insurance plans work as follows:
- Payments locked in for life (can’t increase).
- Coverage guaranteed to never decrease.
- Protection that lasts forever no matter how old you become.
That’s all there is to these policies. We told you they were simple 😎.
By far the biggest unique feature of these plans is the underwriting. Senior final life expense insurance has very lenient underwriting.
They want seniors with health issues to be able to qualify in spite of some health conditions.
Now this is crazy…
Some plans actually have no underwriting at all where your acceptance is guaranteed.
Granted, these no health question plans do cost more and have a waiting period, but they are a great option for folks who have certain very high risk health issues such as dialysis or dementia.
Guaranteed issue plans are not appropriate for everyone, but for some they are their only option.
Regarding the payout of the benefits, if there happens to be money leftover after your funeral bills are paid, it will remain with your family.
The extra money will not go to the funeral home.
3 Of The Top Final Expense Companies
There are dozens of final expense companies to choose from. Which one is best for you depends on your unique situation.
The best burial insurance company for you may be totally different than the company that is best for someone else.
That said, here are 3 of the top funeral insurance companies in the nation.
Your best company may just be one of these…
1) Mutual Of Omaha
Also known as “United of Omaha“, their final expense insurance is one of the most competitive plans in the nation.
Here are some details about their plan:
- Face amount options: $2,000-$40,000
- Age range: 45-85
- Is there a 2 year waiting period? No
- Where is it sold? All states except for New York
- How can you apply? It’s only sold through independent agencies such as Choice Mutual.
They offer some of the lowest cost burial insurance in the nation. If you can qualify with Mutual of Omaha, you should take it!
They’ll even accept insulin diabetics!
2) Royal Neighbors Of America 
A 120 year old company that was the first life insurance company to insure women and children, RNA has one the most amazing plans on the market.
Here are some details about their plan:
- Face amount options: $5,000-$25,000
- Age range: 50-85
- Is there a 2 year waiting period? No
- Where is it sold? Every state except for AK, AL, HA, LA, MA, NH, NY
- How can you apply? It’s only sold through independent agencies such as Choice Mutual.
Quite honestly, no other carrier has underwriting as lenient as RNA. Their final expense coverage for diabetics is unmatched!
In spite of their lax underwriting, they still have very competitive premiums. They are an excellent choice if you can qualify.
Oh and they offer all policy holders free member benefits.
3) Aetna
Most notable for their health insurance, few people actually know that Aetna also provides life insurance.
They have a very unique final expense plan that is frequently a great option for many people.
- Face amount options: $3,000-$35,000
- Age range: 45-89
- Is there a 2 year waiting period? No
- Where is it sold? Every state except for AK, CA, CT, HI, MD, ME, DC, NY, VT, & WA
- How can you apply? It’s only sold through independent agencies such as Choice Mutual.
People over 85 looking for life insurance have VERY few options. Aetna is one such company that offers coverage to seniors up to age 89.
All around they accept many serious health issues and even offer plan with partial coverage to people with congestive heart failure.
