Burial insurance in Wisconsin (2026)

Reviewed by licensed insurance agents· Updated July 2026

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

Quick answer

Across the 20 policies we've placed for Wisconsin seniors, the average premium is about $102/month (most choose $25,000 of coverage), and the typical buyer is age 70. A funeral in Wisconsin runs roughly $8,100. No medical exam, available to age 85.

What Wisconsin seniors really pay (our book)

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

Our real Wisconsin data. Based on 20 burial insurance policies we've placed for Wisconsin seniors: the average Wisconsin policy runs $102/month, the typical buyer is age 70, and most choose $25,000 of coverage.

$102/mo average

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

Age 70 typical

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

$25,000 most common

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

Burial insurance rates in Wisconsin 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 — Wisconsin has no state surcharge for final expense. Locked in for life; tobacco users pay 30-50% more.

Best burial insurance companies for Wisconsin 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 Wisconsin and match you to the best fit for your age and health.

Frequently asked questions

How much is burial insurance in Wisconsin?

Across our Wisconsin book the average is about $102/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 Wisconsin seniors buy?

Most Wisconsin buyers choose $25,000 of whole-life coverage, at a median age of 70. It's enough to cover a funeral (about $8,100 in Wisconsin) plus final bills.

Is there a waiting period in Wisconsin?

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

Does Wisconsin Medicaid pay for funerals?

No — Wisconsin 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.