What Burial Insurance Typically Costs by Age
The ranges below are illustrative national estimates for a non-tobacco applicant buying about $10,000 of simplified issue coverage. They are meant to set expectations, not to quote you — your real rate depends on your specifics and the carrier.
- ✓Ages 50-59: roughly $30-$50 per month
- ✓Ages 60-69: roughly $45-$75 per month
- ✓Ages 70-79: roughly $70-$110 per month
- ✓Ages 80-85: roughly $100-$150 or more per month
What Determines Your Premium
Carriers price burial insurance using a small set of factors. Some you can influence, and some you cannot:
- ✓Your age when you apply, which carries the most weight
- ✓Sex, since women often receive slightly lower rates
- ✓Tobacco use, which usually raises the premium
- ✓Your health tier on simplified issue plans
- ✓The coverage amount and benefit structure you select
Get a Personalized Rate in Minutes
Speak with a licensed agent who can quote actual rates based on your age, state, and health — free and with no obligation.
Phone hours: Mon–Fri 8am–8pm ETMatching Coverage to Real Burial Costs
Rather than choosing a round number, it helps to price out what you actually want. A traditional burial with a service, casket, and plot can run several thousand dollars more than a direct cremation.
Buying coverage that mirrors your intended arrangements — plus a small cushion for inflation — keeps the premium from being higher than it needs to be.
Ways to Keep the Premium Manageable
Small choices can lower what you pay for the same protection:
- ✓Apply sooner, since premiums climb with age
- ✓Qualify as a non-tobacco user where possible
- ✓Choose simplified issue if your health allows
- ✓Compare several financially strong carriers
- ✓Consider paying annually if it lowers the cost