Burial insurance for seniors over 80
Even after 80 you can get guaranteed-acceptance coverage — no health questions, no exam. Here's what it costs and how it works.
Over 80, $10,000 of coverage runs about $54/mo at 80 and ~$70/mo at 85 (female non-tobacco). At this age, guaranteed acceptance (no health questions, 2-year waiting period) is the main option — and coverage is available up to age 85.
Burial insurance rates over 80 (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.
How coverage works after 80
Guaranteed acceptance
No health questions and no exam — you cannot be turned down for health if you're within the age range.
2-year waiting period
If you pass from natural causes in the first 2 years, premiums are refunded plus interest. Accidental death is covered immediately.
Coverage to 85
Carriers like Colonial Penn and Mutual of Omaha issue new policies up to age 85.
Best carriers
| Carrier | Issue ages | Waiting period | Best for |
|---|---|---|---|
| Colonial Penn | to 85 | 2 yrs (GI) | Guaranteed acceptance |
| Mutual of Omaha | to 85 | 2 yrs (GI) | Strong claims |
Frequently asked questions
Can you get life insurance over 80?
How much does it cost at 80?
Is there a waiting period over 80?
What coverage amount makes sense over 80?
Related guides: Burial insurance cost by age · No-exam burial insurance · Coverage over 70 · Best burial insurance companies
Get guaranteed coverage over 80
No health questions, no exam. Free and no obligation — see your rate in 60 seconds.
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.