The average funeral and burial in the United States now costs more than $8,300 — a figure that continues to rise each year. For many families, that expense arrives unexpectedly and at one of the most difficult moments they will face.
Burial insurance — also called final expense insurance or funeral insurance — is designed specifically to prevent that burden. It is a small whole life insurance policy, typically between $5,000 and $25,000, available to seniors aged 50 to 85. The death benefit is paid directly to your beneficiary and can be used for funeral costs, burial or cremation, outstanding medical bills, or any other expense.
Most plans available today do not require a medical exam. Some ask a short set of health questions, while guaranteed issue plans ask none at all. Once issued, your premium is locked in and cannot increase due to age or changes in your health.
Plan Types Available
Level Benefit
Full death benefit coverage from day one. Best for applicants in reasonably good health. Requires a short health questionnaire — no medical exam.
Graded Benefit
For applicants with some health concerns who may not qualify for a level plan. Full death benefit becomes payable after a 2-year waiting period.
Guaranteed Issue
No health questions whatsoever. Available to almost anyone ages 50–80. Best option for those with serious health conditions who may not qualify elsewhere.
Who Is Burial Insurance For?
Burial insurance is designed for seniors aged 50 to 85 who want to ensure their funeral and end-of-life costs are covered without placing a financial burden on their family.
It is particularly relevant for those who do not have savings set aside specifically for funeral costs, do not have a large life insurance policy in place, or whose existing life insurance coverage has expired. It is also commonly purchased by adult children on behalf of an elderly parent.
Because most plans do not require a medical exam, burial insurance is accessible to seniors with a wide range of health conditions — including many who have been declined for traditional life insurance.
How Burial Insurance Works
Burial insurance is a type of whole life insurance, meaning the policy does not expire as long as you continue paying the premium. Unlike term life insurance, it does not end at a set date.
When the insured passes away, the death benefit is paid as a lump sum directly to the named beneficiary. The beneficiary can use the funds for funeral costs, burial or cremation, headstone, reception, outstanding debts, or any other purpose — there are no restrictions on how the money is used.
Premiums are paid monthly and remain the same for the life of the policy. They cannot be increased by the carrier due to age or health changes after the policy is issued.
Coverage Amounts
Burial insurance policies are typically available in coverage amounts from $5,000 to $25,000. The most common amounts chosen by seniors are $10,000 and $15,000, which generally cover a traditional funeral service, burial, and related costs.
A $5,000 policy typically covers a basic cremation or direct burial. A $20,000–$25,000 policy covers a full traditional burial with headstone, service, and leaves some funds for remaining expenses or family support.
Monthly Cost Ranges — $10,000 Policy
The table below shows typical monthly premium ranges by age and gender. Actual rates depend on your health history, coverage amount, and carrier.
| Age | Female / Month | Male / Month | Plan Type |
|---|---|---|---|
| Age 50 | $18 – $28 | $22 – $35 | Level Benefit |
| Age 55 | $22 – $34 | $27 – $42 | Level Benefit |
| Age 60 | $28 – $44 | $35 – $55 | Level Benefit |
| Age 65 | $35 – $56 | $46 – $70 | Level / Graded |
| Age 70 | $44 – $70 | $55 – $90 | Level / Graded |
| Age 75 | $65 – $105 | $85 – $135 | Graded / Guaranteed |
| Age 80 | $90 – $140 | $120 – $185 | Graded / Guaranteed |
Estimates for a $10,000 policy. See the full cost breakdown →
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Frequently Asked Questions
Can I get burial insurance without a medical exam?
What is the age limit for burial insurance?
What is the difference between burial insurance and final expense insurance?
Does my premium increase over time?
Who will contact me after I submit my information?
Is burial insurance the same as final expense insurance?
Can I get burial insurance if I have been declined before?
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