Buy Burial Insurance Online Without the Hassle (2025 Guide)
Danny Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
5-10 minute read | Disclosures
- ✅ Nationally licensed life insurance expert with over 30 years of experience
- ✅ Founder of PinnacleQuote Life Insurance Experts
Danny Ray is a nationally licensed life insurance expert and the Founder of PinnacleQuote Life Insurance Experts. With over 30 years of industry experience, he has helped thousands of families across all 50 states secure tailored life insurance solutions—specializing in final expense, term life, and impaired risk underwriting. Danny regularly writes educational content on life insurance, financial planning, and consumer protection. He has been featured as an expert source in leading publications including Forbes, Yahoo Finance, MarketWatch, Nasdaq, GoBankingRates, AOL, and MSN, where his insights help consumers make confident, informed decisions. As the architect of PinnacleQuote.com and insuranceForBurial.com, Danny is known for building transparent, client-first digital experiences that simplify the life insurance process. He is also the voice behind several national campaigns focused on educating seniors and families about affordable, no-pressure coverage options.
Do you want to buy burial insurance online? Are you looking to protect your loved ones but dread high-pressure calls and confusing paperwork? What if you could secure affordable burial insurance entirely online, in just a few steps?
In this guide, we’ll show you how to confidently buy burial insurance online, avoid hidden traps, and find the best plan for your age and needs—all from the comfort of home.
What Is Burial Insurance and Why Buy It Online?
Burial insurance, also called final expense insurance, is a small whole life policy (typically $2,000 to $50,000) designed to cover funeral costs, medical bills, or remaining debts when you pass away.
Buying it online allows you to:
- Skip the agent and compare plans instantly
- Avoid unnecessary phone calls or paperwork
- Access guaranteed issue life insurance with no health exam
Compare Online Burial Insurance Options
*Ballpark Quote
Who Is Burial Insurance Best For?
This type of policy is ideal for:
- Seniors between ages 50 and 85
- Those with health conditions (diabetes, high blood pressure, etc.)
- People who want a burial insurance with no waiting period
People Also Ask
- Who qualifies for burial insurance online? — Anyone aged 50–85 can typically qualify.
- Is online life insurance secure? — Yes, as long as you apply through a licensed agency.
Step-by-Step: How to Buy Burial Insurance Online
- Fill out a prequalification form (no medical exam required)
- Compare quotes from top-rated providers
- Choose a plan that fits your budget and health profile
- Apply online and sign electronically
- Get approved within minutes to hours
Our process enables you to have a 30+ year expert shop, isolate, and provide a life insurance quote online no phone calls, sent to your inbox.
Compare Burial Insurance Plans Without a Phone Call
*Ballpark Quote
Pros & Cons of Buying Online
Pros:
- Fast and convenient
- No in-person meetings or sales pressure
- Instant decision in many cases
Cons:
- You might miss better deals without guidance
- Limited carrier access if using a single-quote site
Here at PinnacleQuote, we leverage Danny Ray’s 30+ years experience and allow you to go at your own speed. He is an expert shopper in addition to high health risk underwriting.
Check out the Pros and Cons to the best final expense insurance companies.
Sample Rates (No Exam, Online Quotes)
Male Burial Insurance Rates
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $15.37 | $27.73 | $40.08 |
| 55 | $18.72 | $34.43 | $50.13 |
| 60 | $22.72 | $42.42 | $62.13 |
| 65 | $28.41 | $53.82 | $79.22 |
| 70 | $36.47 | $69.93 | $103.38 |
| 75 | $50.22 | $97.43 | $144.64 |
| 80 | $71.44 | $139.73 | $207.99 |
| 85 | $97.97 | $192.74 | $287.51 |
| 90 | $176.59 | $350.21 | N/A |
Female Burial Insurance Rates
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $12.86 | $23.06 | $33.08 |
| 55 | $14.97 | $26.94 | $38.90 |
| 60 | $18.04 | $32.87 | $47.70 |
| 65 | $22.11 | $41.01 | $59.91 |
| 70 | $28.07 | $53.12 | $78.18 |
| 75 | $37.81 | $72.41 | $107.01 |
| 80 | $50.82 | $98.43 | $146.05 |
| 85 | $69.55 | $135.90 | $202.25 |
| 90 | $149.69 | $296.41 | N/A |
Prices vary based on health, coverage amount, and carrier underwriting.
Interactive Rate Comparison Tool
*Ballpark Quote
Top Companies You Can Buy From Online
- Plans: Level (45–85), Graded (45–80)
- Face Amounts: Level: $2K–$50K, Graded: $2K–$20K
- Graded Terms: Y1–2: Return + 10%, Y3+: Full
- Riders: ADB, Optional Accidental
- Underwriting: No exam, health questions
- Plans: Level (40–89), Modified (40–75)
- Face Amounts: Up to $50K
- Graded Terms: Y1–2: 110% Return, Y3+: Full
- Riders: ADB, Accidental, Child Term (Level Plan Only)
- Underwriting: No exam, health questions
- Plans: Level / Modified (50–85)
- Face Amounts: Level: $2.5K–$35K, Modified: $2.5K–$20K
- Graded Terms: Y1: 105%, Y2: 110%, Y3+: Full
- Riders: None specified
- Underwriting: No exam, instant decision
- Feature: Free LegacyShield® access
- Plans: Level (45–80), Modified (45–75)
- Face Amounts: Level: $5K–$50K, Modified: $2K–$25K
- Graded Terms: Y1–2: Limited, Y3+: Full, Accidental: Full Day 1
- Riders: ADB, Accidental, Child Term (Level Plan Only)
- Underwriting: No exam, health questions
- Plans: Preferred, Standard, Basic (Graded)
- Face Amounts: Preferred: $35K, Standard: $20K, Basic: $15K
- Graded Terms: Y1–2: Premiums + 10%, Y3+: Full
- Riders: ADB, Common Carrier, Family Health (All Plans), Optional Accidental (Preferred Only)
- Underwriting: No exam, health questions
Mutual of Omaha burial insurance is one of our top Core providers. Below you can check out rates or have a fully shopped rate emailed to your inbox with a self apply option.
Online Life Insurance Application Form
Tips to Avoid Online Burial Insurance Scams
- Watch out for “$7/month/$9.95” teaser ads—they rarely apply
- Be cautious of unit-based plans (like Colonial Penn)
- Always ask: Is there a burial insurance with no waiting period?
People Also Ask
- Is $7/month burial insurance a scam? — Often misleading; real rates vary.
- What’s the catch with “no exam” life insurance online? — Most come with a 2-year graded death benefit unless you’re healthy.
Be careful and look out for burial insurance scams.
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FAQ Section
Yes. Some platforms allow full online applications with no human contact.
Yes, especially when using a trusted, licensed agency or independent broker.
Expect $30 to $80/month depending on age, gender, and coverage.
Conclusion
Still unsure if buying burial insurance online is safe or smart?
Here’s what matters most: You get to protect your family on your terms — with no waiting, no exams, and no phone hassle.
✅ Get Instant Burial Insurance Quotes Online
Or📞 Or Call Us Now, 855-380-3300 | 🗓️ Schedule a Free Call
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