Burial Insurance for Seniors Over 70: Best Rates and Tips
Burial insurance rates for seniors over 70 depend mainly on age, gender, health, tobacco use, and whether the plan is level-benefit (day-one) or graded/guaranteed issue. Most seniors over 70 can still qualify, but pricing and approval paths vary by health profile.
Burial insurance rates for seniors over 70 usually rise each year with age. Use the rate widget to toggle male vs. female and $10,000 vs. $20,000 coverage for quick sample monthly premiums—then shop carriers to confirm the best plan type (level vs. graded).
How to use burial insurance rates for seniors over 70
- Pick male/female and $10,000 or $20,000.
- Select your age (70–79).
- Use the premium as a quick benchmark, then shop for level benefit vs. graded options (health determines which one you qualify for).
What moves burial insurance rates for seniors over 70
Rates move most based on: age, gender, health, tobacco/nicotine, state, and plan type (level benefit vs. graded/guaranteed issue). Many seniors want immediate coverage, but guaranteed issue commonly has a waiting/graded period for natural causes.
We will shop you to the best providers for the best rate.
How much is burial insurance per month for a 70-year-old?
It varies by health, plan type, and company. Many 2026 guides place $10,000 coverage for people in their 70s commonly in the tens to low hundreds per month, depending on risk factors.
What is the best burial insurance for seniors over 70?
The “best” plan is usually the one that gives day-one level benefits (if you qualify) at the lowest premium. Independent comparisons and carrier shopping matter because offers vary by company and state.
Is burial insurance the same as final expense insurance?
They are often used interchangeably. These policies typically provide a smaller death benefit intended for funeral and end-of-life expenses, paid as a lump sum to your beneficiary.
Does burial insurance have a waiting period?
Some plans do. Guaranteed issue policies commonly have a graded/waiting period for natural causes, while simplified/level-benefit plans may cover you immediately if you qualify.
How much burial insurance do most seniors need?
Many people target $10,000–$20,000 to help with funeral and related costs, but the right amount depends on your local funeral costs and whether you want to leave extra for family.
Can seniors over 70 get burial insurance with no medical exam?
Yes. Many final expense policies are “no exam,” but you may still answer health questions unless you choose guaranteed issue (which typically costs more and may have graded benefits).
Conclusion
If you are over 70, the fastest way to save money is to confirm whether you qualify for level benefit (immediate) before defaulting to a graded/guaranteed issue plan.
Get the right burial coverage—fast.
Choose the quickest option below. You can get a quote online, request a pre-approved quote emailed after we fully shop carriers, or book a call.
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