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Sample Burial Insurance Rates for 54 Year Olds

Written by Choice Mutual | Last updated: August 20, 2017

A lot of people think that final expense insurance can be really expensive once you turn 50. This is a myth. Take a moment to run some quotes using our quick quote tool on this page. It will show you rates from a bunch of top rated final expense companies in your state. You will see just how affordable burial insurance is at your age.

Did you know that Luther Vandross passed away when he was 54 years old? The music legend died on July 1, 2005, but the true cause of death is still unknown. He is further evidence Sample Burial Insurance Rates for 54 Year Oldsthat we never know when our time will come. Fortunately, most people live far beyond the age of 54. However, there is never a better time than now to plan for the inevitable. At the young age of 54, you are in a prime position to secure the best burial insurance rates. This article will show you about what it will cost at your current age. With all the sample burial insurance rates for 54 year olds in this piece, you can see just how cheap burial insurance can be at the age of 54.


Best Burial Insurance Options For A 54 Year Old

Finding the best burial insurance plan can be a very difficult task if you go it alone. Quite frankly, you will save a lot of time and money if you utilize the services of a qualified independent agency like Choice Mutual. However, even if you do not use us, any independent agency can surely help you get the best final expense plan possible.

In short, what you need to do is to find which burial insurance plan out there looks at your health most favorably. This will very likely be the company that will be able to offer you the best value given your health conditions. The obvious challenge is finding which company will do that. Again, this is where an independent agency comes in.

Rather than you calling dozens of insurance companies, let an agency do the work for you. Working with an agency does not cost you more money. In fact, most insurance companies will require you buy their insurance through an agent of some kind. Just make sure you are dealing with an independent agent that has access to multiple burial insurance companies. You want them to shop around and see which one will give you the best deal.

As a general rule, the vast majority of clients we speak with are able to qualify for a burial insurance plan that has no waiting period. In addition, they are paying the lowest price offered by the insurance company. This is possible because there are so many final expense companies in the market today. They all compete with one another through price and underwriting criteria. The net effect of this competition is that you can very likely find a final expense insurance plan that accepts all your health conditions. It’s just a matter of identifying which insurance company that happens to be.


Here Are Some Sample Burial Insurance Rates For 54 Year Olds

To help you on your burial insurance, we have some example rates for you. This will give you an estimate of about what it will cost for you at this age. You will see rates for both tobacco usage and non tobacco. You probably know this already, but tobacco usages greatly affects the price for all types of life insurance. If you want to see what the rates will be after your next birthday, check out the burial insurance costs for a 55 year old.

Non Tobacco User- Female


Non Tobacco User- Male


Tobacco User- Female


Tobacco User- Male


Remember the rates show above are not exact prices. The real price you pay will depend on which company is suited best for you given your health conditions. Having said that, our experience shows that the majority of clients are able to qualify for rates very similar to those shown above.

If you would prefer to see prices directly from the insurance companies, just run some quotes using the form on the side. You will see prices from many different burial insurance companies in your state. Feel free to call us if you have any questions about which company will likely approve you, and give you the best burial insurance deal.


Why get a burial insurance plan

First of all, if you are reading this article, chances are that you already appreciate the need to take care of funeral costs. However, if you are on the fence still, consider some of the following two facts.

  1. The median cost of a funeral, including vault, in 2012 was $8343
  2. Social Security only provides $255 for funeral expenses, and that is if you qualify

The most pertinent question we encourage you to ask yourself is: How will this kind of financial burden impact your family if you do not take care of these bills ahead of time? That is the driving force behind why people get burial insurance. In the end, they do not want their loved ones saddled with their funeral bills.

As you can see, funerals can be quite expensive, and the costs continually rise. Since you are only 54 years old, you are in a special position to secure very low prices on a final expense plan. You can become immediately protected and have the peace of mind knowing your family will never have to pay for your funeral expenses.


the most important thing

We cannot stress this enough. If you want burial insurance, you need to work with an independent broker that can shop all the companies for you. In the short and long run, you will save a lots of money and time. There are dozens of burial insurance plans out there. The only real question is which one is your best value?

Be careful of stuff you see in the mail and on TV. Companies like Globe Life, AARP, Colonial Penn will all try to sell you fake burial insurance plans or ones that are super expensive. Additionally, offers for burial insurance through the mail are usually no health question guaranteed issue policies. These are usually a very bad option for most people. They have their place, but most people can get a better policy by going with a company that does ask some health questions.

We are here to help with this stuff, so call us if you want some expert assistance. We have literally helped thousands of families, and would love the chance to earn your business. To begin, just fill out the quote form, and a licensed Choice Mutual agent will contact you shortly.


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.

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Shunne Johnson

I need final expense insurance

March 5, 2019 at 3:13 pm
    Choice Mutual

    Hi Shunne,

    We can help you with that. After all, final expense insurance is all we do 🙂

    Call us at 1-800-644-2926 and one of our agents will find the best policy for you.

    March 5, 2019 at 4:10 pm
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