How much does $5,000 burial insurance really cost?
Whole-life final expense coverage of $5,000 — no medical exam, rates locked for life. These are the prices people actually paid, not advertised teaser rates.
The median buyer pays $42/mo for $5,000 of coverage. Half of all buyers pay between $31 and $60 per month — medians from 511 real placed policies.
$5,000 coverage — real monthly prices by age
| Age | Median | Typical range | Policies |
|---|---|---|---|
| 55–59 | $29/mo | $22–$41 | 26 |
| 60–64 | $27/mo | $23–$40 | 56 |
| 65–69 | $35/mo | $27–$51 | 125 |
| 70–74 | $43/mo | $33–$57 | 136 |
| 75–79 | $54/mo | $44–$66 | 116 |
| 80+ | $66/mo | $44–$83 | 44 |
Medians of policies actually purchased 2024–2026; cells under 15 policies are not published.
At ages 65–69, women pay a median of $31/mo and men $46/mo for $5,000 of coverage.
Related: Burial insurance cost guide · 2026 cost study · Coverage over 70
Frequently asked questions
How much does $5,000 of burial insurance cost per month?
Is $5,000 enough burial insurance?
Does the price of $5,000 coverage change with age?
See your rate for coverage after 70
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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.