Top 10 Final Expense Insurance Companies in the USA (2025)
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.
Are you overwhelmed by the endless choices in burial insurance? It’s not just about price—it’s about trust, speed, and making sure your family isn’t left with the bill. If you’re a senior—or shopping for one—this guide will help you identify the top 10 final expense insurance companies in the USA, ranked by coverage quality, approval process, and customer satisfaction.
Top 10 Final Expense Insurance Companies in the USA (2025)
Final expense insurance, also known as burial or funeral insurance, is a type of whole life policy designed to cover end-of-life expenses, such as funeral costs, medical bills, and other debts. These policies typically offer coverage amounts ranging from $2,000 to $50,000, providing a financial safety net for your family.
Below is the top 10 final expense insurance providers in the USA.
*Ballpark Quote
How We Ranked These Companies
Each carrier was ranked using the following criteria:
- Financial stability (AM Best, BBB ratings)
- Premium value across age brackets
- Application speed and health underwriting leniency
- State availability
- Customer satisfaction and claim experience
Sample Rates
Male Burial Insurance Rates
| Age of Applicant | $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 | NA |
Female Burial Insurance Rates
| Age of Applicant | $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 | NA |
Rates vary by gender, smoker status, and health history. Always check if you qualify for a simplified issue plan over a graded policy.
*Ballpark Quote
Which Company Is Best for You?
- Healthier seniors → Mutual of Omaha or Aetna
- Pre-existing health conditions → SBLI
- Guaranteed approval → Gerber Life
- Easy and Efficient online process → Aetna
- Added value or membership perks → Foresters or Royal Neighbors
Your best choice depends on health, state, and preferred benefit type.
People Also Ask
Who is the best final expense insurance company?
Mutual of Omaha is often considered the most well-rounded in value, approval speed, and customer reviews.
Is Gerber Life good for burial insurance?
Yes. While it costs more, Gerber Life offers guaranteed issue burial insurance for high-risk seniors with no health questions.
What is the cheapest final expense policy?
Mutual of Omaha and Aetna consistently offer low premiums, especially for non-smokers in their 60s and 70s.
Are final expense policies worth it?
Yes—if you need lifetime coverage to cover funeral costs and want fixed premiums with no expiration.
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FAQ
Look for level benefit whole life policies with fixed rates and no medical exam—like those from Mutual of Omaha, Aetna, and Foresters.
Yes. These terms are often used interchangeably and typically refer to the same small whole life policies.
Absolutely. All of the top 10 companies offer policies with simplified or guaranteed underwriting.
Conclusion
Wouldn’t it feel great knowing your family won’t struggle with unexpected expenses? With so many options on the market, finding the right burial insurance can feel overwhelming—but now you know where to start.
These top 10 final expense insurance companies in the USA offer solutions for nearly every health situation and budget. Now it’s time to compare and choose what’s best for you.
“Compare the Top Final Expense Plans Now – No Medical Exam Required”
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