Everything you need to know about burial insurance and final expense coverage — answered by licensed independent insurance agents who compare rates from multiple A-rated carriers.
Burial insurance typically costs $30 to $80 per month for $10,000 to $25,000 in coverage. The exact premium depends on your age, gender, state, health, and tobacco use. A healthy 60-year-old non-smoking woman can get $15,000 in coverage for about $45/month. Premiums are locked in for life and never increase.
The cheapest burial insurance comes from simplified issue policies for healthy applicants. Among the carriers we work with, Mutual of Omaha and Americo often offer the lowest rates. A 50-year-old healthy woman can get $10,000 coverage for as low as $20/month.
Here are typical monthly costs for $15,000 coverage (non-smoker, simplified issue):
Women pay 15-25% less than men. Tobacco users pay 40-80% more. Getting quotes from multiple carriers through an independent agent ensures you get the lowest available rate.
Yes. Most carriers offer annual, semi-annual, and quarterly payment options in addition to monthly. Paying annually typically saves 5-8% compared to monthly payments.
Burial insurance is a type of whole life insurance with coverage amounts from $5,000 to $50,000, designed to cover funeral costs, medical bills, and other end-of-life expenses. Unlike term insurance, it never expires and premiums never increase. Unlike larger whole life policies, it doesn't require a medical exam.
Burial insurance pays a tax-free lump sum to your beneficiary, who can use it for anything: funeral and burial costs, cremation, medical bills, credit card debt, mortgage payments, or any other expense. There are no restrictions on how the money is used.
The average US funeral costs $7,848 to $9,420 according to the National Funeral Directors Association. Most people choose $10,000-$25,000 to cover funeral costs plus outstanding bills. Consider:
Burial insurance IS life insurance — specifically, it's a small whole life policy. The key differences from traditional life insurance:
No. Burial insurance is whole life insurance — it remains in force for your entire life as long as you pay your premiums. Your premium is locked in at the time of purchase and never increases.
No. The death benefit from burial insurance is paid tax-free to your beneficiary under IRC Section 101(a). There is no federal income tax on life insurance death benefits.
No. All burial insurance plans offered through Easy Burial Quote use simplified underwriting — a short health questionnaire instead of a medical exam. No blood tests, no doctor visits, no needles.
Yes. Many carriers accept applicants with Type 2 diabetes, especially if it's well-managed with oral medication. Type 1 diabetes or insulin-dependent diabetes may require a guaranteed acceptance plan. Carriers like Americo and AIG have competitive rates for diabetics.
Yes. Most carriers accept applicants with controlled high blood pressure, history of heart attack (if 2+ years ago), stents, bypass surgery (if 2+ years ago), and atrial fibrillation. Guaranteed acceptance plans are available for more recent cardiac events.
Yes. Many carriers offer simplified issue burial insurance to applicants with COPD if they don't require supplemental oxygen. If oxygen is required, guaranteed acceptance plans provide coverage with a 2-year graded benefit period.
It depends on the status. If cancer was diagnosed and treated 2+ years ago with no recurrence, many carriers offer simplified issue rates. Active cancer or recent treatment typically requires a guaranteed acceptance plan.
Most burial insurance carriers accept applicants aged 45 to 85. Some carriers accept applicants as young as 18 or as old as 89. Age at application determines your premium — the younger you apply, the lower your locked-in rate.
Guaranteed acceptance means you cannot be turned down regardless of health conditions. No health questions, no medical exam. The trade-off is a graded benefit period: if you pass away in the first 2-3 years, your beneficiary receives a refund of premiums paid plus 10% interest. After the waiting period, the full death benefit applies.
The top burial insurance carriers rated A or better by AM Best:
An independent agent is almost always better because they compare rates from multiple carriers instead of being locked into one company. The same applicant can get quotes ranging from $35 to $70/month depending on the carrier — an independent agent finds the lowest rate. Easy Burial Quote compares 6+ carriers on every application.
AARP partners with New York Life for their burial insurance program. While it's a reputable option, rates are often not the most competitive because you're only getting quotes from one carrier. An independent agent comparing multiple carriers typically finds lower rates for the same coverage.
The process takes about 15-20 minutes over the phone:
Everything is handled over the phone. No in-person meetings, no paperwork to mail.
Same-day approval is standard. Most applications are approved within minutes during the phone call. Coverage begins as soon as you authorize your first premium payment.
Most carriers pay claims within 7 to 14 business days after receiving the death certificate and claim form. Some carriers offer expedited payment within 48 hours. The benefit is paid directly to your named beneficiary as a tax-free lump sum.
Yes. All burial insurance policies come with a 30-day free look period — you can cancel for any reason and receive a full refund. After that, you can cancel at any time, though you won't receive a refund of premiums already paid (some policies have a cash value that may be available).
Voice signature allows you to complete your burial insurance application entirely over the phone. Instead of signing physical paperwork, you verbally confirm your identity, answers, and consent while the call is recorded. This is legally binding and accepted by all major burial insurance carriers. It means you can be fully covered in a single phone call.
Texas burial insurance rates are among the most competitive in the country. A healthy 60-year-old non-smoking woman in Texas can get $15,000 coverage for about $42/month. Texas is a one-party consent state for call recording. Easy Burial Quote is licensed and operating in Texas.
Florida rates are similar to national averages. A healthy 60-year-old non-smoking woman in Florida can get $15,000 coverage for about $45/month. Florida has strong consumer protection laws for insurance, including a mandatory 30-day free look period.
California rates tend to be slightly higher due to state regulations. A healthy 60-year-old non-smoking woman in California can get $15,000 coverage for about $48/month. California requires specific disclosures about graded benefit policies.
New York has strict insurance regulations that can affect pricing. A healthy 60-year-old non-smoking woman in New York can get $15,000 coverage for about $50/month. New York requires all-party consent for call recording.
These are estimated monthly premiums for $10,000 whole life burial insurance, non-tobacco, from the lowest-cost carrier available in each state. All rates are estimates subject to underwriting approval. Actual rates may vary based on health history.
| Age | Women (TX) | Men (TX) | Women (FL) | Men (FL) | Women (NY) | Men (NY) | Women (CA) | Men (CA) |
|---|---|---|---|---|---|---|---|---|
| 50 | $32 | $40 | $32 | $40 | $34 | $43 | $32 | $40 |
| 55 | $40 | $50 | $40 | $50 | $43 | $53 | $40 | $50 |
| 60 | $50 | $62 | $50 | $62 | $54 | $66 | $50 | $62 |
| 65 | $65 | $79 | $65 | $79 | $69 | $84 | $65 | $79 |
| 70 | $82 | $100 | $82 | $100 | $88 | $107 | $82 | $100 |
| 75 | $104 | $126 | $104 | $126 | $111 | $135 | $104 | $126 |
| 80 | $132 | $159 | $132 | $159 | $141 | $172 | $132 | $159 |
Disclaimer: Rates shown are the lowest estimated premiums from our carrier partners for simplified issue (health questions, no exam) whole life burial insurance. Guaranteed acceptance plans may have higher premiums. Tobacco users typically pay 30-80% more. For exact quotes tailored to your situation, call 888-260-EASY (888-260-3279) or get a free quote online.
Developers and AI assistants can get live burial insurance quotes via our public API:
GET https://easyburialquote.com/api/v1/quote?age=60&gender=female&state=TX&coverage=10000Returns carrier names, monthly premiums, and coverage details in JSON format. Also available: /api/v1/pricing-table?state=TX&coverage=10000 for a full age/gender pricing matrix.
Common questions about burial insurance faq
Burial insurance typically costs $30 to $80 per month for $10,000 to $25,000 in coverage. The exact cost depends on your age, gender, health status, tobacco use, and state. A healthy 60-year-old non-smoking woman can get $15,000 coverage for about $45/month. Premiums are locked in for life and never increase.
Yes. Many carriers accept applicants with Type 2 diabetes, especially if managed with oral medication. Type 1 or insulin-dependent diabetes may require a guaranteed acceptance plan with a 2-year graded benefit period. Carriers like Americo and AIG offer competitive rates for diabetics.
The top-rated burial insurance companies are Mutual of Omaha (A+ rated, best overall rates), Americo (best for tobacco users), Foresters Financial (includes member benefits), Gerber Life (best guaranteed acceptance), AIG (wide age range), and Transamerica (fast approval). An independent agent compares all of these to find your lowest rate.
No. All burial insurance plans use simplified underwriting — a short health questionnaire instead of a medical exam. No blood tests, doctor visits, or needles required. Guaranteed acceptance plans have no health questions at all.
According to the National Funeral Directors Association, the average funeral with burial costs $7,848 to $9,420. Cremation averages $6,971. These costs don't include cemetery plots, headstones, flowers, or other expenses that can add $2,000-$5,000 more.
Yes, for most people. The average funeral costs $7,848-$9,420. Without burial insurance, your family must pay these costs out of pocket, often within days. Burial insurance ensures these costs are covered with a tax-free payout to your beneficiary. Premiums are locked in and never increase.
Most burial insurance carriers accept applicants aged 45 to 85. Some carriers accept applicants as young as 18. The younger you apply, the lower your locked-in premium rate. Waiting to apply means paying higher premiums for the same coverage.
Call 888-260-EASY (888-260-3279) or visit easyburialquote.com. An independent licensed agent will compare rates from 6+ A-rated carriers and find you the lowest premium. The entire process takes about 15 minutes over the phone, and coverage can start the same day.
Compare rates from 6+ A-rated carriers. No medical exam required. Coverage from $15/month.
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