Your 60s remain a strong window for obtaining burial insurance at competitive rates. Most seniors in this age bracket qualify for simplified issue plans — meaning a short health questionnaire but no physical exam — and can secure coverage with no waiting period.
The average funeral cost in the United States now exceeds $8,300, and that figure is rising. Securing coverage in your 60s locks in today's premium rate permanently, protecting against future rate increases.
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.
What to Expect When Applying in Your 60s
Most burial insurance carriers offer coverage to seniors in their 60s through simplified issue applications. You will answer a short set of yes/no health questions — no physical exam, no blood tests, no waiting for lab results.
If you qualify for a level benefit plan, your coverage begins immediately with no waiting period. If a health condition moves you to a graded or guaranteed issue plan, a 2-year waiting period applies before the full death benefit is payable.
A licensed agent can review your health history and tell you immediately which plan type you qualify for and what your actual monthly rate would be.
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 →
Want Your Actual Rate?
A licensed agent can review your specific situation and walk you through the options available — at no charge and with no obligation to purchase.
Check What I Qualify ForA licensed insurance agent may contact you. No obligation to purchase.
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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Related Resources
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Check If I QualifyA licensed insurance agent may contact you. BestSeniorInsurance.com is a comparison and lead generation site, not an insurance carrier.