Burial & final expense rates · Updated May 2026

Burial Insurance Rates by Age

Real monthly premiums for burial / final expense whole life insurance, ages 50–80. Pulled from a live carrier quoting system and refreshed regularly.

Final expense insurance — sometimes called “burial” or “funeral” insurance — is a small whole life policy built to cover the funeral, the casket, and final medical bills.

Coverage usually runs $5,000–$50,000. There’s no medical exam: no doctor visit, no blood draw, no urine sample. The application includes an electronic check of your pharmacy records, the MIB (an industry medical-information clearinghouse), and sometimes the MVR (motor-vehicle record). The rate is locked in for life.

Pick your age below to see the cheapest carriers at every face amount, broken down by health tier.

50 Age 50 51 Age 51 52 Age 52 53 Age 53 54 Age 54 55 Age 55 56 Age 56 57 Age 57 58 Age 58 59 Age 59 60 Age 60 61 Age 61 62 Age 62 63 Age 63 64 Age 64 65 Age 65 66 Age 66 67 Age 67 68 Age 68 69 Age 69 70 Age 70 71 Age 71 72 Age 72 73 Age 73 74 Age 74 75 Age 75 76 Age 76 77 Age 77 78 Age 78 79 Age 79 80 Age 80

How the data is built

Every cell on every age page is calculated from real-time carrier quotes pulled through the same quoting system that licensed agents use. We aggregate the cheapest 2–4 carriers per tier (Level / Graded / Guaranteed Issue) at every face amount, age, gender, and tobacco status. Level (Day 1) has the deepest panel; Graded and Guaranteed Issue draw from fewer carriers per cell. Rates assume a TX resident, but rates are the same nationally.

The cheapest carrier varies based on your individual situation — health profile, age, and state — so the number on the page is an aggregated reference. Your actual rate depends on your state, health, gender, tobacco use, and other lifestyle questions.

Want a personalized quote that accounts for your health and state?

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or call 512-649-7977 to connect with a broker.