Burial insurance for seniors over 70
You can still get affordable whole-life coverage after 70 — no medical exam, rates locked in for life. Here's what it costs and which carriers are best.
For seniors over 70, $10,000 of coverage runs about $45/mo at age 70, $51/mo at 75, and $54/mo at 80 (female non-tobacco). Men pay roughly 30% more. Coverage is available with no exam up to age 85.
Burial insurance rates over 70 (2026)
Real $10,000 whole-life monthly premiums from our book, non-tobacco. Toggle gender. Age 85 estimated.
| Your age | Monthly premium | Annual |
|---|
Locked in for life once you start. Tobacco users pay 30–50% more.
Best carriers for seniors over 70
| Carrier | Issue ages | Waiting period | Best for |
|---|---|---|---|
| Mutual of Omaha | to 85 | Day one | Healthy over-70s |
| Colonial Penn | to 85 | 2 yrs (GI) | Any health |
| AARP / New York Life | to 80 | 2 yrs (GI) | Members |
Frequently asked questions
How much is burial insurance for a 70-year-old?
Can a 75 or 80-year-old still get coverage?
Is there a waiting period over 70?
How much coverage do most over-70s buy?
Related guides: Burial insurance cost by age · No-exam burial insurance · Coverage over 75 · Best burial insurance companies
See your rate for coverage after 70
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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.