Burial insurance for seniors over 75

Reviewed by licensed insurance agents· Updated July 2026

It's not too late — A-rated carriers still write no-exam whole-life coverage up to age 85, with rates locked in for life. Here's what it costs over 75.

Quick answer

Over 75, $10,000 of coverage runs about $51/mo at age 75, $54/mo at 80 and ~$70/mo at 85 (female non-tobacco). Men pay ~28% more. No medical exam required.

Burial insurance rates over 75 (2026)

Real $10,000 whole-life monthly premiums from our book, non-tobacco. Toggle gender. Age 85 estimated.

Gender

Coverage

Real data — not generic estimates. These averages come from 1,283 burial insurance policies we’ve actually placed for our own clients, so the numbers reflect what real applicants pay.

Your age	Monthly premium	Annual

Locked in for life once you start. Tobacco users pay 30–50% more.

Best carriers

Carrier	Issue ages	Waiting period	Best for
Mutual of Omaha	to 85	Day one	Healthy 75+
Colonial Penn	to 85	2 yrs (GI)	Any health

Frequently asked questions

How much is burial insurance for a 75-year-old?

About $51/month (female) to $69/month (male) for $10,000 of whole-life coverage, with no medical exam.

Can I get coverage at 78 or 80?

Yes — several A-rated carriers issue no-exam final expense coverage up to age 85.

Is there a waiting period?

Healthy applicants can get day-one coverage via simplified issue. Guaranteed issue has a 2-year waiting period.

How much coverage should I get over 75?

Most choose $10,000–$15,000 to cover a funeral and final bills.

See your rate for coverage over 75

Free, no exam, no obligation. Locked in for life — takes 60 seconds.

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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.