Check Out These Real Sample Burial Insurance Rates for 82 Year Olds

Written on September 13, 2016 by Choice Mutual

If you prefer to just see instant quotes now, please fill out the quote form. You will see a bunch of prices from many different highly rated burial insurance plans in your state. If you deal with some major health issues, call us and we will give you an accurate quote. Call our toll free number which is 1-800-644-2926.

Being 82 won’t mean you can’t get covered. You totally can.

The truth is many burial insurance companies will offer 82 years olds final expense coverage.

Obviously you want to know what it will cost at 82, and that’s what we are going to give you!

So here’s what we are going to go over in this article…

We’ll show you multiple funeral insurance quotes for an 82 year old, explain the incredible value of a burial policy, and make sure you fully understand exactly how no health question policies work.


Fun Fact About The Number 82: On his 82nd birthday, William Ivy Baldwin tightrope walked across a canyon. It was a canyon in Eldorado Spring, Colorado. He is living evidence that you can do anything you want in life even in your 80’s. What a beast!


Burial Insurance Rates For 82 Year Olds

Article Quick Navigation Links

  1. Real Burial Insurance Rates For 82 Year Olds
  2. The Incredible Value Of A Burial Insurance Policy
  3. The Inside Scoop On Guaranteed Issue Life Insurance
  4. Final Thoughts

 

Sample Burial Insurance Rates For 82 Year Olds

Here you will see a bunch of actual 82 year old funeral insurance rates from different insurance companies.

As you gander at these prices, please keep the following points in mind:

  1. The tobacco rates only apply to folks who have smoked cigarettes within the last 12 months. If you happen to use another form of tobacco or nicotine, we would connect you with insurance companies that would offer you non tobacco rates.
  2. Prices are consistent with an applicant who would give a NO response to all the health questions with each of these companies (except AIG because they have no health questions).
  3. Rates are taken directly from each of these carriers. By law, life insurance prices cannot be different. These prices will be the same rates no matter who you contact.
  4. These five final expense companies are just some of the many that we work with. It may be the case that one of these companies is best for you. Then again, it may not. In the end, we would recommend which burial insurance company is best for you after we learn about your health.

As is the case with all our articles that show rates, we list the female rates first. Feel free to click here to jump right to male rates if that is what you are looking for.


 

Non Tobacco Female

Burial Insurance Rates For 82 Year Olds

$5,000$10,000$15,000$20,000
$58.58$113.96$169.33$224.71
Burial Insurance Rates For 82 Year Olds
$5,000$10,000$15,000$20,000
$64.16$125.71$187.26$248.81
Burial Insurance Rates For 82 Year Olds
$5,000$10,000$15,000$20,000
$64.05$124.60$185.15$245.70

 

Tobacco Female

Burial Insurance Rates For 82 Year Olds

$5,000
$10,000
$15,000
$20,000
$79.99$156.77$233.56$310.34
Burial Insurance Rates For 82 Year Olds
$5,000$10,000$15,000$20,000
$81.63$160.61$239.60$318.58

 

Female No Health Questions

Burial Insurance Rates For 82 Year Olds 
$5,000$10,000$15,000$20,000
$79.56$157.12$234.68$312.23

 


 

Non Tobacco Male

Burial Insurance Rates For 82 Year Olds

$5,000
$10,000
$15,000
$20,000
$78.37$153.54$228.71$303.88
Burial Insurance Rates For 82 Year Olds
$5,000
$10,000
$15,000
$20,000
$90.01$177.41$264.81$352.21
Burial Insurance Rates For 82 Year Olds
$5,000
$10,000
$15,000
$20,000
$85.75$168.00$250.25$332.50

 

Tobacco Male

Burial Insurance Rates For 82 Year Olds

$5,000
$10,000
$15,000
$20,000
$115.56$227.91$340.26$452.62
Burial Insurance Rates For 82 Year Olds
$5,000
$10,000
$15,000
$20,000
$103.65$204.66$305.66$406.67

 

Male No Health Questions

Burial Insurance Rates For 82 Year Olds
$5,000
$10,000
$15,000
$20,000
$103.76$205.52$307.28$409.04

 

 

The Value Of A Burial Insurance Plan

Burial insurance offers you a very unique package that can ensure your final expenses don’t become a financial burden on your family.

Interestingly, burial insurance is also commonly referred to as “funeral insurance” and “final expense insurance”. At the end of the day, all three terms mean the same thing, and they all refer to a specific type of life insurance policy.

In 99% of cases, when you hear of a company that is selling or promoting burial insurance, they are selling a simplified issue whole life insurance plan that has very limited underwriting.

With a final expense policy, you can still obtain the peace of mind of immediate protection in spite of some very serious health issues. This is simply not possible with traditional life insurance plans.

Burial Insurance Rates For 82 Year Olds

The insurance companies built the underwriting on these plans to accept many major health conditions people naturally develop with age.

Because they are whole life, they are incredibly easy to understand. You don’t need to be leery of any find print that will come back to haunt you one day. These final expense whole life insurance policies can be summed up entirely with these three sentences:

  1. They never expire
  2. The price per month never increases
  3. The benefits never decrease

That’s it to how these plans work. The key differentiating factor with burial insurance is the ultra lax underwriting.

These plans accept so many major health problems, that the vast majority of applicants are approved for immediate coverage that has no waiting period.

The conditions accepted by a final expense policy would get you flat out declined with traditional life insurance plans.

 

Guaranteed Issue Final Expense Insurance

You have probably seen on TV or in the mail advertisements about these no health questions life insurance policies.

These guaranteed acceptance plans are becoming more and more popular. There are literally dozens of insurance companies on the market today that offer this kind of policy, and we are sure more will come as time goes on.

Sadly, most people are totally unaware of the fact that these plans are truly not a good deal for most people.

Burial Insurance Rates For 82 Year Olds

We know what you are thinking- What’s the deal with these policies?

You may have even considered these plans yourself. Quite honestly, many people do. Tons of people are highly attracted to the idea of guaranteed acceptance and not having to answer any health questions.

We can certainly understand this attraction, but it’s very important you know the pros and cons about these policies.

Here’s the bottom line

There is a really good chance this kind of policy is not your best option.

Below we discuss the good and the bad. You can decide for yourself.

The Good part of guaranteed issue

  • NO health questions
  • NO medical background checks
  • Super fast application process
  • Acceptance is guaranteed

 

The Bad elements of guaranteed issue

  • Higher monthly premiums
  • 2-3 year waiting period (depending on company)

Here’s the thing

Guaranteed issue is only appropriate in some very select circumstances. Moreover, you should only resort to this kind of policy if you can’t get a burial insurance plan that has underwriting.

For the overwhelming majority of people out there, there is usually at least one company that will accept all your health issues. The net result of going with a plan that has health questions is a much lower monthly premium, and instant protection. Those are two huge benefits. 😮

The thing to understand is this…

There are dozens of insurance companies in the market today competing for business.

The net effect of this competition is great underwriting diversity. That happens because each insurer has to find a way to stand out from their competitors.

One of the way they stand out is by accepting health issues others don’t.

In the end, this competition over the years has resulted in a giant web of health conditions that are insurable by some or many burial insurance companies.

This is why we say that most people easily qualify for a plan with some insurance company that does accept your health issues.

No matter what, you should always try your best to get a policy that has health questions. You will pay a lot less per month, and you will be protected immediately. Your family and checkbook will greatly appreciate this.

Burial Insurance Rates For 82 Year Olds

Final Thoughts

If you are 82 and need final expense coverage, give us a call. We specialize in final expense for seniors in their 80s, and we can surely find you the best policy for your individual situation.

We are an independent agency which means we represent multiple insurance companies. In the end, we will shop and compare prices for you to see which insurer offers you the best deal.

One call with us does it all. To get started, please fill out the quote form or call us at 1-800-644-2926.

About ChoiceMutual.com
About ChoiceMutual.com

Choice Mutual works with all the top burial insurance companies throughout the nation to secure you the best price possible.

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