Burial insurance in Michigan (2026)

Reviewed by licensed insurance agents· Updated July 2026

Whole-life final expense coverage for Michigan seniors — no medical exam, rates locked in for life. Here's what Michigan seniors actually pay, from our own book of placed policies.

Quick answer

Across the 50 policies we've placed for Michigan seniors, the average premium is about $108/month (most choose $25,000 of coverage), and the typical buyer is age 68. A funeral in Michigan runs roughly $8,000. No medical exam, available to age 85.

What Michigan seniors really pay (our book)

Unique to us — figures from the burial insurance policies we've actually placed in Michigan, not generic estimates.

Our real Michigan data. Based on 50 burial insurance policies we've placed for Michigan seniors: the average Michigan policy runs $108/month, the typical buyer is age 68, and most choose $25,000 of coverage.

$108/mo average

The average monthly premium across our placed Michigan policies. Your rate depends on age, gender, health and coverage.

Age 68 typical

The median age of Michigan seniors we've helped — locking in while rates are lowest.

$25,000 most common

The coverage most Michigan buyers choose — enough for a funeral and final bills.

Burial insurance rates in Michigan by age (2026)

Real $10,000 whole-life monthly premiums, non-tobacco. Toggle gender and coverage.

Gender

Coverage

Your age	Monthly premium	Annual

Whole-life rates are set nationally — Michigan has no state surcharge for final expense. Locked in for life; tobacco users pay 30-50% more.

Best burial insurance companies for Michigan seniors

Carrier	Issue ages	Waiting period	Best for
Mutual of Omaha	to 85	Day one	Healthy seniors
Colonial Penn	to 85	2 yrs (GI)	Any health
Aetna / Accendo	to 89	Day one	Higher coverage
Gerber Life	to 80	2 yrs (GI)	Guaranteed accept

We compare A-rated carriers available in Michigan and match you to the best fit for your age and health.

Frequently asked questions

How much is burial insurance in Michigan?

Across our Michigan book the average is about $108/month (most at $25,000). By age for $10,000: about $27/mo at 60, $45 at 70 and $54 at 80 (female non-tobacco). No medical exam.

What's the most common plan Michigan seniors buy?

Most Michigan buyers choose $25,000 of whole-life coverage, at a median age of 68. It's enough to cover a funeral (about $8,000 in Michigan) plus final bills.

Is there a waiting period in Michigan?

Healthy Michigan applicants can get day-one coverage through simplified issue. Guaranteed-issue plans have a 2-year waiting period.

Does Michigan Medicaid pay for funerals?

No — Michigan Medicaid does not cover funeral costs, which is why many seniors buy a small final expense policy.

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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.