How much does $10,000 burial insurance really cost?
Whole-life final expense coverage of $10,000 — no medical exam, rates locked for life. These are the prices people actually paid, not advertised teaser rates.
The median buyer pays $60/mo for $10,000 of coverage. Half of all buyers pay between $45 and $87 per month — medians from 1,916 real placed policies.
$10,000 coverage — real monthly prices by age
| Age | Median | Typical range | Policies |
|---|---|---|---|
| 50–54 | $38/mo | $32–$48 | 48 |
| 55–59 | $44/mo | $36–$56 | 131 |
| 60–64 | $48/mo | $40–$62 | 315 |
| 65–69 | $57/mo | $44–$73 | 508 |
| 70–74 | $68/mo | $51–$87 | 464 |
| 75–79 | $89/mo | $58–$112 | 323 |
| 80+ | $110/mo | $73–$136 | 116 |
Medians of policies actually purchased 2024–2026; cells under 15 policies are not published.
At ages 65–69, women pay a median of $54/mo and men $69/mo for $10,000 of coverage.
Related: Burial insurance cost guide · 2026 cost study · Coverage over 70
Frequently asked questions
How much does $10,000 of burial insurance cost per month?
Is $10,000 enough burial insurance?
Does the price of $10,000 coverage change with age?
See your rate for coverage after 70
Free, no exam, no obligation — locked in for life. Takes 60 seconds.
About these figures: the premiums and averages shown are estimates based on real purchase data from our own systems (policies bought through our partner carriers) — not official carrier-published quotes. Your actual rate depends on age, gender, tobacco use, health and coverage amount, and is confirmed by the carrier at application.