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Burial Insurance for Seniors Ages 50-85

Compare Final Expense Life Insurance Quotes from 18 Top-Rated Companies

No Medical Exam Required
Coverage from $15/month
Instant Approval Available
BBB A+ Rated Agency
A+
BBB Rating
50
States Served
2,847+
5-Star Reviews
85
Max Age Accepted

Compare Senior Burial Insurance Rates

Monthly rates shown for $10,000 in coverage • Non-tobacco rates • No waiting period

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50 55 60 65 70 75 80 85

Burial Insurance for Seniors: Complete Guide

What is Burial Insurance for Seniors?

Burial insurance, also called final expense insurance or funeral insurance, is a type of whole life insurance specifically designed for seniors ages 50-85. Unlike traditional life insurance that may require medical exams and extensive health screenings, burial insurance offers simplified underwriting with just a few health questions.

This type of coverage helps protect your family from the financial burden of funeral costs, which now average $7,000-$12,000 according to the National Funeral Directors Association. As a senior, you can secure coverage ranging from $5,000 to $35,000, ensuring your loved ones won't struggle with expenses during an already difficult time.

Key Benefits for Seniors:

  • No Medical Exam Required - Apply from home with just a phone call
  • Fixed Premiums - Your rate never increases, even as you age
  • Lifetime Coverage - Policy doesn't expire as long as premiums are paid
  • Cash Value - Builds value you can borrow against if needed
  • Quick Approval - Most seniors get approved instantly or within 24 hours
  • Beneficiary Choice - You decide who receives the tax-free death benefit

Common Health Conditions That Qualify:

Heart Conditions

  • High blood pressure (controlled)
  • High cholesterol
  • Atrial fibrillation
  • Heart murmur

Diabetes & Metabolic

  • Type 2 diabetes
  • Pre-diabetes
  • Thyroid disorders
  • Metabolic syndrome

Other Common Conditions

  • Arthritis
  • Osteoporosis
  • Depression/Anxiety
  • Sleep apnea

Frequently Asked Questions

Yes! Many companies offer burial insurance up to age 85. Some even go up to 89. While rates are higher at 80+, coverage is still available and affordable for most seniors.

Even with serious health issues, you can get guaranteed acceptance burial insurance. These policies don't ask health questions and can't turn you down.

Most burial insurance companies pay claims within 24-48 hours of receiving the death certificate. This quick payout helps families pay for immediate funeral expenses.

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