To see instant burial insurance quotes for an 81 year old, you can simply scroll down. You can also use the quick quote tool on this page. You’ll get the quotes you are looking for either way 😎
Want to know how much final expense insurance costs for an 81 year old? Of course you do; that’s why you are here!
You want quotes; we’ll give you quotes.
You want to know the best part?
We are going to show you real prices for multiple levels of coverage from five different insurance companies.
In addition to seeing a bunch of 81 year old funeral insurance quotes, we’ll show you how to find the best policy at 81, and give you some tips to getting an immediate death benefit versus a 2 year waiting period.
Fun Fact About The Number 81: At 81 years old, Bill Painter became the oldest person to reach the 14,411-foot summit of Mt. Rainier. Climbing that mountain at any age is quite impressive, but doing it at 81 is unreal! Just look at that thing (shown below). What a crazy accomplishment.
Article Quick Navigation Links
- Real Burial Insurance Rates For 81 Year Olds
- How To Find The Best 81 Year Old Final Expense Policy
- Tips To Qualifying For An Immediate Death Benefit [No 2 Year Waiting Period]
True to our word, below you will see a bunch of real 81 year old burial insurance rates. Please take the following into consideration when viewing these quotes:
- The burial insurance companies shown are just a few of the many we work with. While it’s entirely possible that your best policy may be with one of these carriers, it may not be. In the end, we’ll assess your health to figure out which insurance company will truly be best for you.
- All the 81 year old final expense prices you see are consistent with an applicant who answers no to all the health questions with each of these companies. The only exception of course is AIG since their policy requires no health questions at all.
- The tobacco prices only apply to people who smoke cigarettes. If you use another form of nicotine or tobacco, there are burial insurance companies that will offer you non tobacco prices.
- Every single price you see comes directly from each carrier. You won’t find different prices on another website. By law the price with each of these companies must be the same no matter who you buy from.
We always show female rates to begin with. Ladies first 🙂 Click here if you want to jump straight to male rates.
Non Tobacco Female
$5,000 $10,000 $15,000 $20,000
$54.71 $106.21 $157.72 $209.22
$5,000 $10,000 $15,000 $20,000
$60.36 $118.11 $175.86 $233.61
$5,000 $10,000 $15,000 $20,000
$59.05 $114.60 $170.15 $225.70
$74.27 $145.34 $216.40 $287.47
$5,000 $10,000 $15,000 $20,000
$74.87 $147.09 $219.31 $291.53
Female No Health Questions
$73.71 $145.42 $217.12 $288.83
$73.10 $143.00 $212.89 $282.79
$84.11 $165.61 $247.11 $328.61
$79.00 $154.50 $230.00 $305.50
$106.65 $210.10 $313.55 $417.00
$97.82 $192.99 $288.16 $383.33
Male No Health Questions
$95.68 $189.37 $283.05 $376.73
One of the most common questions we get is how do you find the best policy?
There’s a ton of websites and advertisements that really confuse people which is totally understandable given the near absence of morality among most advertisers.
Like these two for example. Look at how unbelievably misleading these are.
To suggest that anyone is going to get a plan for $9.00 per month is so disingenuous it’s hard to fathom.
If you want a burial insurance plan, it’ won’t be $9.00 per month.
If you were 60 and only want $2,000 in coverage, sure your rates could be $9 per month, but most people are looking for much more than just $2,000 in coverage.
So how do you cut through the fog and truly find the best policy for you at a competitive rate?
Here’s how you do it…
You need to find an independent agency who can help you with this. But not just any agency. You need to look for an agency that possesses the following attributes:
- They must represent at least 10 different final expense life insurance companies.
- Burial and final expense insurance is their focus.
- They need to have at least 1 year of exclusive experience specifically with this type of insurance.
Once you find an agency like that (cough, cough, Choice Mutual 😉), give them all the details about your health.
Then let them compare offers from all the insurance companies they represent to see which one is best for you.
As you can see, your job is nothing more than to find the right agency. We highly recommend you allow us because you simply won’t find agency that is better equipped to help you with this than us.
However, if you do go elsewhere, just make sure you find an agency that meets the criteria shown above. There’s a 99% chance you will overpay if you don’t.
Avoid Captive Companies Like the plague
An agency that is independent can freely represent any amount of insurance companies they please. This is critically important because this allows them to freely place clients with whichever insurance company they choose.
Captive insurance companies cannot do this. A captive insurance company is one where they do not allow their agents to represent anyone but them.
For example, State Farm, Colonial Penn, and Lincoln Heritage are three well known examples of carriers that are captive. If you ever speak with one of their agents, they can only sell you insurance from the one company they represent.
Do you like shopping around before you buy?
Most people do. It’s the best way to ensure you get the best deal on the product or service you are looking for.
This is why working with an independent agency is so powerful. When you do, the agency does the “shopping around” for you to get you the best final expense prices possible.
In the end, do you think you will get the best deal by comparing one quote with a captive insurance company, or by comparing 10-30 quotes from an independent agency?
Tips To Getting A Burial Insurance With An Immediate Benefit
Make no mistake, price is very important. Everyone is on a fixed budget and reducing costs as much as possible is critical to maintaining your lifestyle during retirement.
So here’s the deal
Another very important aspect of your burial insurance policy is when does it begin to protect you?
Insurance covers against a loss. Nobody knows when they will pass away, so getting a policy that fully protects you immediately is hugely beneficial (if it’s possible).
So how can an 81 year old looking for final expense insurance get a policy that has no 2 year waiting period?
You must find a burial insurance company that freely accepts all your health issues.
But what does that mean? It means one of two things:
- You apply with a company where you are able to say no to all their health questions
- You apply with a company where you say yes to some of their health questions, and they still offer you a full day one death benefit.
If you say no to all health questions, and they approve you, you will always have a full day one death benefit. On the flip side, there are some carriers (not many) where they will allow you to say yes to certain health questions, and they won’t impose a waiting period.
There are tons of companies and they all have different underwriting
The final expense market is darn competitive. There are literally dozens of insurance carriers that all have a policy that accepts and declines folks for different reasons.
The net effect is that the majority of health issues are covered by some insurance company.
The key question for you is: Which one(s) will accept YOUR health issues?
Honestly, the only way to figure that out is to contact an experienced independent agency that works with lots of final expense companies.
Take us for example. We would gather all the details about your health in a few minutes. Then we could let you know if there is indeed a company(s) that will take all your conditions.
If there is, we’ll let you know who they are and what they charge. If there aren’t, we’ll be honest and let you know that there is no way you will get an immediate death benefit.
Below are most of the health issues that would warrant a waiting period. If you have issues that aren’t on this list, there’s a really good chance we could get you a day one death benefit.
- Organ or tissue transplant
- HIV or AIDS
- A terminal illness
- Wheelchair use due to a chronic illness or disease
- Angina (chest pains) within the last year
- Heart attack or full blown stroke (mini strokes are okay) within the last year
- Alzheimer’s or dementia
- Nursing home
What about no health question policies?
You may have encountered these kinds of policies on your search for final expense coverage. These guaranteed acceptance plans have no health questions and no medical checks of any kind.
Here’s the bottom line
There is no guaranteed issue life policy in the world that will offer you any immediate coverage.
They all make you wait 24 months before your policy protects you.
Oh and they are much more expensive too. You can see for yourself above because we showed you the rates for policies that have health questions, and some that don’t.
If you are 81 and need a burial insurance plan, give us the opportunity to earn your business. Don’t think for a moment that your age will result in a waiting period and high rates.
We have successfully helped tons of seniors in their 80’s get immediate coverage final expense at the lowest rate possible.
Burial life insurance is all we do, and we have years of experience exclusively in this space. In addition, we have access to over 20 final expenses companies.
We will work aggressively to find you an insurer that accepts all your health conditions and will give you the best deal. If they are out there, we will find them!
To get started, fill out the quote form on this page with your best phone number. We will contact you shortly. In contrast, you can call us at 1-800-644-2926 if you like. Either way, we hope we can help you with this like the thousands of other families we have already helped.