Burial insurance for seniors over 65
Turning 65 is the most common time to lock in final expense coverage — no medical exam, rates fixed for life. Here's what it costs and who it's best for.
For a 65-year-old, $10,000 of coverage runs about $54/mo (female) or $69/mo (male). 65 is the single most common age our clients buy at — you still qualify for the best simplified-issue rates and lock them in for life. No medical exam, available to age 85.
Burial insurance rates over 65 (2026)
Medians of real purchased policies (all health classes), July 2024 – July 2026. Toggle gender. Age 85 estimated.
| Your age | Monthly premium | Annual |
|---|
Locked in for life once you start — waiting only raises the rate. Tobacco users pay 30-50% more.
Why 65 is the sweet spot
Rates never lower
Whole-life premiums rise every year you wait. Locking in at 65 fixes the lowest rate you'll ever qualify for — for life.
Still fully insurable
At 65 most seniors still qualify for day-one simplified-issue coverage (no waiting period), which guaranteed-issue plans can't offer.
No medical exam
Coverage is issued on health questions alone — no bloodwork, no doctor visit. Approval usually takes minutes.
Best carriers for seniors over 65
| Carrier | Issue ages | Waiting period | Best for |
|---|---|---|---|
| Mutual of Omaha | to 85 | Day one | Healthy 65+ |
| Colonial Penn | to 85 | 2 yrs (GI) | Any health |
| Gerber Life | to 80 | 2 yrs (GI) | Guaranteed accept |
| AARP / New York Life | to 80 | 2 yrs (GI) | Members |
Frequently asked questions
How much is burial insurance for a 65-year-old?
Is 65 a good age to buy?
Do I need a medical exam at 65?
How much coverage do most 65-year-olds buy?
See your rate at 65
Free, no exam, no obligation — locked in for life. Takes 60 seconds.
Related guides: cost by age · over 70 · best carriers · no-exam plans
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.