Your 50s are often the ideal time to get burial insurance in place. You are still likely in relatively good health, which means you may qualify for a level benefit plan — the lowest-cost option — and lock in a premium that will never increase.
Waiting even five years to apply can significantly increase your monthly rate. A woman who applies at 55 might pay $22–$34/month for a $10,000 policy. The same woman applying at 60 would pay $28–$44/month — a 25–30% increase for the same coverage.
Most plans in this age bracket do not require a medical exam, and many seniors in their 50s qualify for full day-one coverage with no waiting period.
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.
Why Your 50s Are the Best Time to Apply
Premium rates are locked in at the age you apply — not the age you claim. Every year you delay, your locked-in rate increases. Applying at 52 rather than 58 could save you hundreds of dollars per year in premiums over the life of the policy.
Health typically declines with age. A health condition that develops after you have a policy in place does not affect your coverage or premium. But a condition that appears before you apply could move you to a higher-cost plan type.
Most seniors in their 50s qualify for simplified issue or level benefit plans, which offer the lowest premiums and immediate day-one coverage with no waiting period.
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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A licensed agent can review your specific situation and walk you through the options available — at no charge and with no obligation to purchase.
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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?
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