Best burial insurance companies of 2026, compared
We compare the top A-rated final expense carriers for seniors — the ones that offer no-exam coverage, day-one benefits and guaranteed acceptance. Here's who wins, and who each is best for.
Mutual of Omaha is best overall for budget + fast claims. Colonial Penn is best for guaranteed acceptance (any health), and AARP / New York Life is best for members. All are A-rated, no medical exam.
Side-by-side comparison
A-rated carriers writing final expense coverage for seniors, no medical exam.
| Carrier | Rating | Starts at | Issue ages | Max coverage | Waiting period | Best for |
|---|---|---|---|---|---|---|
| Mutual of Omaha | A+ | ~$8/mo | 45–85 | $40,000 | Day one | Budget + claims |
| Colonial Penn | A– | $9.95/mo | 40–85 | $50,000 | 2 yrs (GI) | Any health |
| AARP / New York Life | A++ | ~$16/mo | 50–80 | $25,000 | 2 yrs (GI) | AARP members |
| Gerber Life | A | ~$12/mo | 50–80 | $25,000 | 2 yrs (GI) | No questions |
| Globe Life | A | $3.49 intro | 18–80 | $50,000 | Varies | Low intro |
Illustrative starting rates. We're a free matching service — the best carrier depends on your age, health and budget.
What affects which carrier is cheapest for you
Your health
Healthy? Simplified-issue (Mutual of Omaha) is cheapest with day-one coverage. Health issues? Guaranteed issue (Colonial Penn) accepts anyone.
Your age
Some carriers stop new coverage at 80; Colonial Penn and Mutual of Omaha go to 85.
Coverage needed
Need more than $25k? Colonial Penn and Globe go up to $50,000.
Frequently asked questions
Which burial insurance company is best?
Is AARP burial insurance a good deal?
Which company has no waiting period?
Do any accept people with health problems?
Related guides: Colonial Penn review · Gerber Life review · Burial insurance cost by age · No-exam burial insurance
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About these figures: the premiums and averages shown are estimates based on our own placed-policy data (our internal systems) — 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.