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Best Burial Insurance for Seniors

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What Is Burial Life Insurance?

Burial life insurance is a whole life policy that provides a death benefit to a beneficiary in the event of the insureds death. These policies are designed to pay for funeral expenses and offer a small death benefit (typically up to $25,000 in coverage).

You may also hear burial insurance for seniors called these names: However, these are all the same type of insurance.

  • Final Expense Insurance
  • Funeral Insurance Plans

How Does Burial Insurance Works

Burial insurance works by paying a death benefit to a beneficiary upon the policyholder’s death. The death benefit is paid directly to the beneficiary, income tax-free, and can be used to in any way the beneficiary chooses.

One of the main differences in owning a burial policy vs a pre-paid funeral policy is the death benefit is paid directly to a beneficiary and not a funeral home. So any proceeds left over after the funeral cost can be kept by the beneficiary.

Burial insurance is easier to qualify for than a fully underwritten life policy. The application typically only consists of several medical questions and the policy does not require an exam. These plans provide a fixed rate for the entire duration of the policy. So the premium never increases even in the event your health takes a turn for the worst.

Types of Burial Death Benefits

Burial insurance or funeral expense plans have unique death benefit features, unlike any other type of life insurance policy. These plans, depending on the company, can offer 3 types of death benefits. Each payout in a very different manner based on the carrier and your health.

Level Death Benefit

A level death benefit means the policy would pay a full death benefit from day one that the policy issues with no waiting period.

Modified Death Benefit

A modified death benefit will pay 30% of the death benefit if the insured dies in year 1. And 70% of the death benefit if the insured dies in the 2nd year of the policy. In the 3rd year, a full death benefit is paid after the waiting period

Graded Death Benefit

The full death benefit will not be paid until after the waiting period of year 2 or 3 of the policy. If the insured dies in the first two years, all premiums are returned to the beneficiary plus a 10% (varies by carrier) interest rate

How much does Burial Insurance Cost?

The cost of burial life insurance is determined by several factors. These include your:

Tobacco Use
Coverage Amount
Death Benefit Type

Below you can see some sample costs for a 50, 60 and 70-year-old male.


Is Funeral Insurance and Burial insurance the same?

Funeral insurance is the same thing as burial insurance. It is just a life insurance policy designed to pay for your burial expenses upon death. It will make sure your loved ones and family members do not get stuck with your final expenses.

With a burial insurance policy the money does not go to the funeral homes, the life insurance company will pay a tax-free amount of money to your beneficiaries as long as the premium payments are current.

Your beneficiaries can use the money how they see fit. It can pay off credit card bills, cremation expenses, and mortgage loans are just a few of the expenses your loved ones can use this life insurance policy for.

Burial Life insurance policy pros & cons

There are pros and cons to buying any type of life insurance policy. The same goes with burial insurance. Below you can see a list of the pros and cons of this type of policy.

Simplified underwritingLimited coverage amount
Low costSlow cash value growth
Can have leftover cash after a funeral is paidCould be a waiting period
Death benefit is paid to a beneficiaryPossible surrender charges
No exam needed

Reasons to buy a burial policy

  • Protect your family from having to pay for your funeral costs
  • Won’t embarrass your loved by making them start a GoFundMe account
  • Can cover small debts in addition to your burial costs
  • Pays directly to a beneficiary
  • Fixed level cost for the life of the policy
  • Easy to qualify for

What it won’t provide*

  • High death benefit amounts
  • Long term care coverage
  • Coverage for critical illness such as cancer, heart attack, ALS and stroke

Best Burial Life Insurance Companies

Whether you are looking for coverage for yourself or burial insurance for seniors we can help. We represent the best burial life insurance companies in the country. We can quickly and easily compare the cost of every company for you. Below you can see some of the companies we offer and the issues ages along with coverage amounts provided.

CompanyIssue agesCoverage Limit
Assurity Life Insurance CompanyAges 50 – 85$2,000 – $25,000
Foresters Life Insurance CompanyAges 50 – 85$2,000 – $35,000
American General Life Insurance CompanyAges 50 – 85$5,000 – $25,000
Gerber Life Insurance CompanyAges 50 – 80$2,000 – $25,000
Kemper Life Insurance CompanyAges 40 – 80$2,000 – $25,000
Mutual Of Omaha Life Insurance CompanyAges 40 – 80$2,000 – $25,000
Americo Life Insurance CompanyAges 50 – 80$2,000 – $30,000
American National Life Insurance CompanyAges 50 – 80$2,000 – $50,000
Nationwide Life Insurance CompanyAges 0 – 80$5,000 – $50,000


There is not an exam needed with funeral insurance plans. These plans offer a simplified underwriting process.

No, we have some companies that can offer this type of coverage starting at just 15 days old.

You can see the death benefit types above. If you have a level death benefit, the policy does not have a waiting period. If you have a modified or graded death benefit, then there is a waiting period.

Yes, seniors over 70 can get burial insurance. Most carriers offer coverage up to age 80 and some even to age 85.

Yes, seniors over 80 can get burial insurance. We have a few plans that offer coverage to seniors up to age 85.

No, we do not offer Colonial Penn burial insurance, but we have plenty of companies that offer competitive rates compared to them. Ex. Forester, Assurity, Lafayette, and many more carriers.

No, we do not offer burial insurance from AARP, but we have plenty of carriers that offer lower rates and an easier application process. As well you do not have to pay any membership dues with our carriers as you do with AAPR. Plus, you will get to work with an expert agent who can shop many burial policies.

You can get a guaranteed issue plan, but these plans offer the graded death benefit and have a two-year waiting period before the death benefit is fully paid.

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