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Burial insurance for women over 80

Reviewed by licensed insurance agents· Updated October 2026

No-exam whole-life coverage for women after 80 — here is what women actually pay, from real placed policies.

Quick answer

Women aged 80+ pay a median of $108/mo for $10,000 of coverage (69 real policies). See the full table by age below — every figure carries its sample size.

What women over 80 actually pay

Age$10,000 coverage$25,000 coverage
80+$108/mo
n=69
$98/mo
n=90

Medians of policies purchased 2024–2026 by women in each age band; n = number of policies behind each figure.

Frequently asked questions

How much is burial insurance for women over 80?
Women aged 80+ pay a median of $108/mo for $10,000 of whole-life coverage (69 real policies). Prices rise with age at purchase and then lock for life.
Do women pay less than men for final expense insurance?
Yes — women typically pay 15–25% less than men at the same age, because of life-expectancy differences in pricing.
Can women over 80 get coverage without a medical exam?
Yes. Final expense policies at these ages are issued with health questions only — no exam — and several A-rated carriers accept applicants up to 85.

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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.