Final Expense Life Insurance [2020 Guide/Rates]



What Is Final Expense Life Insurance

Above all, final expense is the type of life insurance that will take care of all of your expenses once you pass away. This will include burial expenses and other funeral costs such as funeral home, life expenses, and possible medical bills.

Overall, final expense life insurance will cover the cost of these end of life expenses. In fact the life insurance company will pay a death benefit that will cover funeral expenses.

Unlike other types of life insurance like term life insurance, final expense life insurance will be a life policy as long as you pay your premiums. The insureds premium is level for life and the death benefit does not decrease.

Final expense life insurance is usually $20,000 and more as it covers funeral costs, loose end debt so the estate does not have to. In addition, you can leave a legacy for kids and grandkids as well.

Funeral insurance and burial insurance are usually smaller policies under $20,000.


How To Buy a Final Expense Life Insurance Policy

Well first, you need to talk to a licensed agent. Above all, you want to speak to an independent agent and not a captive agent. Captive agents are extremely limited to what they can offer you.

Explaining Captive agents to stay away from

However, an independent agent can shop you to multiple highly rated final expense carriers. But first, you must be open about health issues if you have any. It’s very important to be honest and answer all the health questions accurately.

This will enable the independent agent to isolate the right carrier that is best for your health profile. In return, this means you save money and have the best product that specializes in whatever health impairment you may have.

Overall, certain health conditions will direct the independent agent to bring you to a certain carrier unlike a captive agent having just one. Final expense life insurance is NOT A ONE SIZE FITS ALL.

One of the biggest reasons to stay away from captive agents is because many times you will be placed in a high priced policy with a 2 year waiting period.

Once your independent agent isolates the right carrier and product for you, then it is a very simple process going forward. Most commonly there will be a voice signature with a three way call with the insurance company or a email with a DocuSign.

Overall, you can be insured that same day or pick a due date sometime in the future. Most of our applications the client is off the phone within 20 minutes with a fully activated policy.


What Is The Cost Of Final Expense Life Insurance

This is a great question with a pretty simple answer. Above all, the cost of final expense insurance is based on two things, age, and health.

For instance, age is a factor because the older you get the closer you are to mortality. So the longer you wait the older you are and the more the cost will go up. Its important to make sure you have something locked in sooner rather than later.

Now health, well that is also a factor, and this is the biggest reason why you need to speak to an expert. Again, choosing the right final expense carrier is pivotal. You see, every carrier will look at you differently as they have different guidelines, build charts, health impairment niches, and different rates.

Overall, the coverage is usually between $20,000 to $100,000. So you will need the expert to guide you the right way.

Below we will see the rates from age 40 all the way to age 90.


How Much Does Final Expense Life Insurance Cost

Now that you know what final expense is, how you get it and what factors in the cost, lets get down to cost shall we?

OK, so most final expense policies are for ages 40-85. However, we have policies that go all the way up to age 90. So we will look at the costs of $20,000 to $40,000 for a male and a female, for a level benefit to age 90.


Final Expense Life Insurance Quotes Over 40

Final Expense rates Over 40

In most cases, if you are getting final expense life insurance in your 40s, then you either have serious health issues or are extremely smart! For instance, a lot of our clients in their early 40’s that get final expense insurance are usually getting a guaranteed issue policy.

But if you are the smart one then you will probably have the cheapest final expense insurance you will ever have.

Here are some rates ages 40-49.


Important Note: We have available face amounts from $1000-$100,000 so you ARE NOT limited to these.


40 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$35.48$43.20$50.91
$66.69
Female Tobacco/Level $43.73$53.51
$63.29$89.82
Female/Guaranteed Issue$77.92$96.67$115.42$152.92
Male/Level$39.51$48.35$57.19
$74.87
Male Tobacco/Level$51.81$63.73$75.65$99.49
Male/Guaranteed Issue$80.66$119.58$142.92
$189.58

41 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$35.84
$44.05
$52.26
$69.39
Female Tobacco/Level $45.34
$55.52
$65.70
$94.03
Female/Guaranteed Issue$79.58
$98.75
$117.92
$156.25
Male/Level$41.13
$50.38
$59.62
$78.12
Male Tobacco/Level$54.33
$66.88
$79.43
$104.53
Male/Guaranteed Issue$97.92
$121.67
$145.42
$192.92

42 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$38.05
$46.41
$54.77
$71.77
Female Tobacco/Level $46.97
$57.56
$68.14
$98.00
Female/Guaranteed Issue$82.92
$102.92
$122.92
$162.92
Male/Level$42.61
$52.23
$61.85
$81.09
Male Tobacco/Level$56.65
$69.77
$82.90
$109.15
Male/Guaranteed Issue$101.25
$125.83
$150.42
$199.58

43 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$39.29
$47.96
$56.63
$74.39
Female Tobacco/Level $48.51
$59.48
$70.45
$102.25
Female/Guaranteed Issue$86.25
$107.08
$127.92
$169.58
Male/Level$44.06
$54.05
$64.03
$83.99
Male Tobacco/Level$58.77
$72.43
$86.08
$113.40
Male/Guaranteed Issue$104.58
$130.00
$155.42
$206.25

44 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$37.19
$45.73
$54.27
$77.08
Female Tobacco/Level $49.97
$61.30
$72.64
$106.70
Female/Guaranteed Issue$87.92
$109.17
$130.42
$172.92
Male/Level$45.55
$59.89
$70.95
$86.96
Male Tobacco/Level$61.03
$75.25
$89.48
$117.92
Male/Guaranteed Issue$106.25
$132.08
$157.92
$209.58

45 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$37.75
$46.44
$55.13
$80.81
Female Tobacco/Level $51.43
$63.13
$74.83
$107.44
Female/Guaranteed Issue$89.58
$111.25
$132.92
$176.25
Male/Level$50.25
$61.65
$73.06
$90.17
Male Tobacco/Level$63.47
$78.30
$93.13
$122.79
Male/Guaranteed Issue$107.92
$134.17
$160.42
$212.92

46 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$38.75
$47.69
$56.62
$82.49
Female Tobacco/Level $52.97
$65.05
$77.14
$108.79
Female/Guaranteed Issue$91.25
$113.33
$135.42
$179.58
Male/Level$51.45
$63.15
$74.86
$93.38
Male Tobacco/Level$69.45
$85.66
$101.86
$127.17
Male/Guaranteed Issue$109.58
$136.25
$162.92
$216.25

47 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$39.85
$49.06
$58.27
$83.98
Female Tobacco/Level $54.48
$66.95
$79.41
$109.68
Female/Guaranteed Issue$92.92
$115.42
$137.92
$182.92
Male/Level$52.65
$64.66
$76.66
$96.55
Male Tobacco/Level$70.65
$87.16
$103.66
$131.56
Male/Guaranteed Issue$111.25
$138.33
$165.42
$219.58

48 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$41.00
$50.50
$60.00
$85.80
Female Tobacco/Level $55.94
$68.77
$81.60
$112.53
Female/Guaranteed Issue$94.58
$117.50
$140.42
$186.25
Male/Level$54.24
$66.65
$79.05
$100.25
Male Tobacco/Level$71.85
$88.66
$105.47
$137.18
Male/Guaranteed Issue$114.58
$142.50
$170.42
$226.25

49 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$41.66
$51.32
$60.98
$88.32
Female Tobacco/Level $57.33
$70.51
$83.68
$114.06
Female/Guaranteed Issue$96.25
$119.58
$142.92
$189.58
Male/Level$55.85
$68.66
$81.46
$104.11
Male Tobacco/Level$68.15
$90.65
$107.86
$145.18
Male/Guaranteed Issue$114.58
$142.50
$170.42
$226.25

Final Expense Life Insurance Quotes For Seniors Over 50

Final Expense rates For Seniors Over 50

Above all, when you are shopping for final expense life insurance in your 50’s you are still able to get a low rate with highly rated carriers. For instance, you can lock in a low rate for the rest of your life.

In addition, when you are in your 50’s chances are you have not experienced any major illnesses. Overall, there is no better time to lock in a low rate than right NOW!

So keep that money in your pocket by making the best choice in getting this taken care of before age and health become a major factor.


Important Note: We have available face amounts from $1000-$100,000 so you ARE NOT limited to these.

***For the guaranteed issue rates you may see them drop considerably for the $20,000 and the $25,000 compared to under age 50. The reason is almost ALL GI carriers start offering this product at age 50 and go up to $25,000. Because of this the price is more competitively priced as more carriers are competing.


50 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$43.10
$56.98
$67.45
$87.61
Female Tobacco/Level $58.72
$72.24
$85.77
$116.55
Female/Guaranteed Issue$73.93
$84.79
$142.92
$189.58
Male/Level$56.39
$69.33
$82.27
$108.19
Male Tobacco/Level$75.87
$93.68
$108.40
$143.47
Male/Guaranteed Issue$87.27
$108.85
$172.92
$229.58

51 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$44.69
$55.10
$65.52
$90.67
Female Tobacco/Level $57.28
$76.08
$90.37
$122.29
Female/Guaranteed Issue$72.97
$90.98
$145.42
$192.92
Male/Level$59.03
$72.64
$86.24
$116.16
Male Tobacco/Level$75.74
$93.87
$112.01
$148.27
Male/Guaranteed Issue$93.87
$117.10
$175.42
$232.92

52 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$45.94
$56.67
$67.41
$93.66
Female Tobacco/Level $59.12
$73.14
$87.17
$126.70
Female/Guaranteed Issue$77.18
$96.25
$150.42
$199.58
Male/Level$61.66
75.92$89.82
$118.69
Male Tobacco/Level$78.34
$97.12
$115.90
$153.47
Male/Guaranteed Issue$99.92
$124.67
$175.42
$232.92

53 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$47.63
$58.78
$69.94
$96.16
Female Tobacco/Level $62.44
$77.29
$92.15
$132.00
Female/Guaranteed Issue$81.03
$101.06
$152.92
$202.92
Male/Level$62.26
$77.03
$91.79
$121.32
Male Tobacco/Level$81.84
$101.54
$121.25
$167.21
Male/Guaranteed Issue$105.60
$131.77
$177.92
$236.25

54 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$50.96
$62.90
$72.59
$98.72
Female Tobacco/Level $69.24
$81.83
$97.59
$137.06
Female/Guaranteed Issue$84.52
$105.42
$157.92
$209.58
Male/Level$65.27
$80.79
$93.08
$125.79
Male Tobacco/Level$85.52
$106.15
$126.77
$173.87
Male/Guaranteed Issue$110.55
$137.96
$182.92
$242.92

55 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$52.21
$62.82
$74.79
$101.21
Female Tobacco/Level $69.56
$86.19
$102.83
$144.86
Female/Guaranteed Issue$87.63
$109.31
$162.92
$216.25
Male/Level$65.84
$81.55
$97.26
$130.45
Male Tobacco/Level$89.18
$110.73
$132.27
$181.49
Male/Guaranteed Issue$114.95
$143.46
$187.92
$249.58

56 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$52.65
$65.06
$77.47
$104.74
Female Tobacco/Level $73.22
$90.77
$108.33
$149.41
Female/Guaranteed Issue$91.12
$113.67
$170.42
$226.25
Male/Level$68.89
$85.36
$101.82
$135.35
Male Tobacco/Level$93.22
$115.78
$138.33
$190.21
Male/Guaranteed Issue$118.25
$147.58
$192.92
$256.25

57 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$54.39
$67.23
$80.07
$110.32
Female Tobacco/Level $76.73
$95.16
$113.59
$155.04
Female/Guaranteed Issue$93.87
$117.10
$175.42
$232.92
Male/Level$72.07
$89.33
$106.60
$141.36
Male Tobacco/Level$98.35
$122.18
$146.02
$198.61
Male/Guaranteed Issue$121.18
$151.25
$200.42
$266.25

58 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$57.40
$70.99
$84.59
$113.71
Female Tobacco/Level $80.22
$99.52
$118.83
$159.59
Female/Guaranteed Issue$96.62
$120.54
$180.42
$239.58
Male/Level$75.06
$93.07
$111.09
$147.54
Male Tobacco/Level$101.42
$129.04
$154.25
$207.37
Male/Guaranteed Issue$123.75
$154.46
$205.42
$272.92

59 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$60.20
$74.45
$88.70
$117.20
Female Tobacco/Level $83.73
$103.91
$124.09
$164.83
Female/Guaranteed Issue$99.18
$123.75
$185.42
$246.25
Male/Level$78.17
$96.97
$115.76
$153.99
Male Tobacco/Level$105.23
$134.33
$160.60
$217.27
Male/Guaranteed Issue$125.58
$156.75
$212.92
$282.92

Final Expense Life Insurance Quotes For Seniors Over 60

Final Expense rates For Seniors Over 60

Well here you are with retirement on the horizon, the kids out of the house and possibly your mortgage paid off. Overall, things are looking good. However, you might be putting on that extra weight, or maybe your doctor just put you on that new medication. Regardless, getting final expense life insurance in your 60’s is still very affordable.

The time for low rate final expense is running out

Keep in mind, you are one doctor’s visit, one emergency room visit, or one surgery away from not being able to have low rates. Now is the time to be proactive. Final expense life insurance carriers still look at you as a good risk, even at this age. But the clock is ticking, don’t let it click to long as it’s only going to take money out of your pocket.


Important Note: We have available face amounts from $1000-$100,000 so you ARE NOT limited to these.


60 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$62.53
$77.36
$92.20
$121.86
Female Tobacco/Level $87.17
$108.16
$129.15
$171.13
Female/Guaranteed Issue$101.20
$126.27
$192.92
$256.25
Male/Level$81.84
$101.54
$121.25
$160.66
Male Tobacco/Level$109.03
$140.50
$168.00
$228.94
Male/Guaranteed Issue$126.87
$158.35
$220.42
$292.92

61 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$65.82
$81.48
$97.13
$128.44
Female Tobacco/Level $91.11
$113.13
$135.16
$180.31
Female/Guaranteed Issue$107.25
$133.83
$200.42
$266.25
Male/Level$85.52
$106.15
$126.77
$175.40
Male Tobacco/Level$114.63
$149.68
$179.02
$243.50
Male/Guaranteed Issue$136.22
$170.04
$230.42
$306.25

62 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$68.92
$85.35
$101.78
$134.64
Female Tobacco/Level $95.77
$118.96
$142.15
$189.50
Female/Guaranteed Issue$112.75
$140.71
$207.92
$276.25
Male/Level$89.63
$111.28
$132.94
$182.78
Male Tobacco/Level$118.42
$158.84
$190.01
$261.27
Male/Guaranteed Issue$145.02
$181.04
$237.92
$316.25

63 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$72.23
$89.49
$106.75
$141.26
Female Tobacco/Level $99.90
$124.12
$148.34
$198.65
Female/Guaranteed Issue$117.52
$146.67
$217.92
$289.58
Male/Level$94.27
$117.09
$139.90
$191.07
Male Tobacco/Level$122.21
$168.00
$201.00
$274.23
Male/Guaranteed Issue$153.45
$191.58
$247.92
$329.58

64 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$75.53
$93.61
$111.69
$147.85
Female Tobacco/Level $103.22
$129.95
$155.33
$207.83
Female/Guaranteed Issue$121.18
$151.25
$227.92
$302.92
Male/Level$99.45
$123.56
$147.67
$200.25
Male Tobacco/Level$126.02
$177.18
$212.02
$292.77
Male/Guaranteed Issue$161.52
$201.67
$257.92
$342.92

65 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$78.82
$97.72
$116.63
$154.43
Female Tobacco/Level $106.03
$134.74
$161.09
$217.02
Female/Guaranteed Issue$124.30
$155.15
$235.42
$312.92
Male/Level$104.63
$130.03
$155.44
$210.92
Male Tobacco/Level$130.62
$186.34
$223.01
$309.72
Male/Guaranteed Issue$169.40
$211.52
$270.42
$359.58

66 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$83.68
$103.80
$123.91
$164.15
Female Tobacco/Level $110.82
$139.11
$166.32
$231.26
Female/Guaranteed Issue$130.72
$163.17
$245.42
$326.25
Male/Level$110.63
$137.54
$164.44
$219.75
Male Tobacco/Level$137.22
$196.83
$235.60
$332.08
Male/Guaranteed Issue$176.37
$220.23
$285.42
$379.58

67 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$88.52
$109.82
$130.95
$173.22
Female Tobacco/Level $115.63
$147.23
$176.08
$244.79
Female/Guaranteed Issue$136.03
$169.81
$255.42
$339.58
Male/Level$116.35
$144.40
$172.45
$228.56
Male Tobacco/Level$146.81
$209.20
$250.43
$354.50
Male/Guaranteed Issue$182.42
$227.79
$300.42
$399.58

68 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$92.77
$114.93
$137.09
$181.40
Female Tobacco/Level $124.01
$154.52
$184.82
$259.17
Female/Guaranteed Issue$140.98
$176.00
$265.42
$352.92
Male/Level$122.56
$152.17
$181.77
$240.98
Male Tobacco/Level$156.21
$222.25
$266.09
$376.90
Male/Guaranteed Issue$188.10
$234.89
$315.42
$419.58

69 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$97.47
$120.80
$144.13
$190.79
Female Tobacco/Level $130.00
$161.74
$193.49
$272.20
Female/Guaranteed Issue$145.75
$181.96
$280.42
$372.92
Male/Level$128.47
$159.55
$190.63
$252.79
Male Tobacco/Level$162.60
$235.66
$282.19
$396.23
Male/Guaranteed Issue$193.05
$241.08
$332.92
$442.91

Final Expense Insurance Quotes For Seniors Over 70

Final Expense Rates for over 70

Here you are, hitting your eighth decade. Boy there is a lot of wisdom that you have gathered on the seven-plus decades you have been on this earth. Overall, you are probably enjoying retirement. However, you might start seeing your friends or colleagues either become sick, having surgeries or maybe even worse, you may have had a few pass away too soon.

Overall, some of these things may have you thinking about your loved ones not having a financial burden. Heck, this may be the reason you are reading this now. I will say, purchasing a final expense policy in your 70’s may still be affordable.

However, you are now in the decade of mortality. For men, the mortality age is just under 77, for women it is just under 81. In addition, adult children might be looking for final expense life insurance for senior parents. This is what will spare them the financial burden as they will rather pay a low monthly payment over time rather than coming up with tens of thousands of dollars on a couple of days’ notice.


Important Note: We have available face amounts from $1000-$100,000 so you ARE NOT limited to these.


70 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$103.23
$128.29
$153.31
$203.35
Female Tobacco/Level $136.72
$170.15
$203.58
$288.29
Female/Guaranteed Issue$150.15
$187.46
$300.42
$399.58
Male/Level$136.84
$170.30
$203.76
$278.54
Male Tobacco/Level$168.80
$250.43
$299.92
$419.83
Male/Guaranteed Issue$197.45
$246.58
$352.92
$469.58

71 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$109.20
$135.70
$162.20
$215.20
Female Tobacco/Level $146.01
$181.76
$217.51
$306.48
Female/Guaranteed Issue$164.82
$205.79
$322.92
$399.58
Male/Level$147.85
$184.06
$220.27
$300.88
Male Tobacco/Level$175.79
$266.56
$319.27
$450.41
Male/Guaranteed Issue$215.42
$269.04
$375.42
$499.58

72 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$113.71
$141.33
$168.96
$224.21
Female Tobacco/Level $155.18
$193.22
$231.26
$329.05
Female/Guaranteed Issue$178.75
$223.21
$350.42
$466.25
Male/Level$158.84
$197.80
$236.76
$319.00
Male Tobacco/Level$183.39
$289.48
$346.77
$476.08
Male/Guaranteed Issue$233.02
$291.04
$400.42
$532.91

73 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$123.89
$154.06
$184.23
$244.57
Female Tobacco/Level $166.19
$206.98
$247.77
$348.49
Female/Guaranteed Issue$192.13
$239.94
$377.92
$502.91
Male/Level$172.15
$211.56
$253.27
$340.16
Male Tobacco/Level$191.39
$299.82
$374.27
$510.75
Male/Guaranteed Issue$249.52
$311.67
$427.91
$569.58

74 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$132.36
$164.65
$196.94
$261.52
Female Tobacco/Level $177.00
$222.80
$266.76
$369.85
Female/Guaranteed Issue$204.42
$255.29
$392.92
$522.91
Male/Level$180.84
$225.30
$269.76
$362.67
Male Tobacco/Level$205.18
$335.31
$401.77
$537.77
Male/Guaranteed Issue$264.92
$330.92
$447.91
$596.25

75 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$141.62
$176.22
$210.82
$280.03
Female Tobacco/Level $189.39
$244.24
$292.49
$390.21
Female/Guaranteed Issue$215.42
$269.04
$410.42
$546.25
Male/Level$191.85
$239.06
$286.27
$390.28
Male Tobacco/Level$218.78
$357.56
$428.43
$570.17
Male/Guaranteed Issue$278.12
$347.42
$470.41
$626.25

76 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$153.29
$190.82
$228.34
$303.38
Female Tobacco/Level $201.99
$268.00
$320.96
$426.88
Female/Guaranteed Issue$246.58
$308.00
$430.41
$572.91
Male/Level$210.88
$262.79
$314.71
$418.55
Male Tobacco/Level$232.38
$395.29
$473.71
$630.55
Male/Guaranteed Issue$324.87
$405.85
$495.41
$659.58

77 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$163.81
$203.97
$244.12
$324.42
Female Tobacco/Level $214.38
$282.87
$338.72
$460.52
Female/Guaranteed Issue$275.92
$344.67
$452.91
$602.91
Male/Level$225.06
$280.53
$335.99
$446.92
Male Tobacco/Level$246.17
$430.11
$515.50
$686.26
Male/Guaranteed Issue$349.58
$436.25
$522.91
$696.25

78 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$173.67
$216.29
$258.91
$344.15
Female Tobacco/Level $222.59
$292.50
$350.28
$496.41
Female/Guaranteed Issue$303.42
$379.04
$477.91
$636.25
Male/Level$241.07
$300.53
$360.00
$478.93
Male Tobacco/Level$259.77
$460.35
$551.78
$734.64
Male/Guaranteed Issue$369.58
$461.25
$552.91
$736.25

79 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$183.62
$228.73
$273.84
$364.05
Female Tobacco/Level $230.58
$302.13
$361.84
$527.20
Female/Guaranteed Issue$329.08
$411.12
$520.41
$692.91
Male/Level$255.84
$319.00
$382.16
$508.47
Male Tobacco/Level$273.35
$486.21
$582.81
$776.01
Male/Guaranteed Issue$406.25
$507.08
$607.91
$809.58

Final Expense Insurance Quotes For Seniors Over 80

Final Expense Rates over 80

If you are looking for final expense coverage in your 80’s you probably found out that the products start to get limited.

However, you are still able to get some quality policies. In addition, you can still find affordable policies as well.

At this age you are probably taking more than one medication. For instance, a blood pressure and cholesterol medication would be very common. Also, managed diabetes is very common as well.

If you are taking any of these then an affordable plan may still await you. Overall, don’t put it off as rates go up year over year significantly from this point moving forward.

This is also the age when adult children are looking for final expense coverage for their parents more and more.


Important Note: We have available face amounts from $1000-$100,000 so you ARE NOT limited to these.


80 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$193.00
$240.35
$287.69
$384.12
Female Tobacco/Level $238.57
$311.76
$373.39
$530.94
Female/Guaranteed Issue$351.82
$439.54
$565.41
$752.91
Male/Level$276.26
$344.52
$412.78
$549.31
Male Tobacco/Level$287.15
$510.86
$612.39
$815.45
Male/Guaranteed Issue$452.91
$565.41
$677.91
$902.91

81 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$209.22
$260.73
$312.23
$415.24
Female Tobacco/Level $290.87
$362.79
$434.70
$578.54
Female/Guaranteed Issue$392.76
$490.45
NANA
Male/Level$296.69
$370.06
$443.43
$590.18
Male Tobacco/Level$434.43
$542.23
$650.04
$865.65
Male/Guaranteed Issue$553.79
$691.74
NANA

82 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$224.71
$280.08
$335.46
$446.21
Female Tobacco/Level $317.91
$396.58
$475.26
$632.61
Female/Guaranteed Issue$402.46
$502.57
NANA
Male/Level$317.12
$395.61
$474.09
$631.05
Male Tobacco/Level$473.64
$591.25
$708.86
$944.08
Male/Guaranteed Issue$569.87
$711.84
NANA

83 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$239.41
$298.46
$357.51
$475.62
Female Tobacco/Level $338.32
$422.10
$505.88
$673.45
Female/Guaranteed Issue$415.92
$519.39
NANA
Male/Level$338.84
$422.75
$506.66
$674.48
Male Tobacco/Level$505.80
$631.46
$757.11
$1008.41
Male/Guaranteed Issue$631.29
$788.61
NANA

84 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$253.90
$316.57
$379.25
$504.59
Female Tobacco/Level $355.95
$444.13
$532.32
$708.69
Female/Guaranteed Issue$426.51
$532.63
NANA
Male/Level$360.56
$449.90
$539.23
$717.91
Male Tobacco/Level$534.37
$667.17
$799.96
$1065.54
Male/Guaranteed Issue$661.90
$826.87
NANA

85 Years Old

Gender/Rating$20,000$25,000$30,000$40,000
Female/Level$268.60
$334.95
$401.30
$534.00
Female Tobacco/Level $381.49
$476.06
$570.63
$759.78
Female/Guaranteed Issue$437.18
$545.98
NANA
Male/Level$382.27
$477.04
$571.81
$761.34
Male Tobacco/Level$562.68
$702.54
$842.41
$1122.15
Male/Guaranteed Issue$692.70
$865.38
NANA

Final Expense Insurance Quotes For Seniors Over 85

Final expense rates over age 85

Wow, if you have blown out your birthday candles at age 86 then congratulations. You have seen it all and have an abundance of wisdom. If you or your adult children are looking for final expense coverage then you are limited to the type of insurance and the amount.

As a matter of fact, we are down to just two carriers. The max on day one coverage is $10,000 at this age. That’s if you qualify!

However, we have a great product that goes up to age 90 but is graded for one year. In year two you are able to get 50% of the death benefit with year 3 paying 100%.

This is the only policy that will offer over $10,000.

86 Years Old

Gender/Rating$10,000$15,000$20,000$25,000
Female/Level$174.17NANANA
Female Tobacco/Level $206.67NANANA
Female/Graded $207.33$308.99$410.65$512.31
Male/Level$220.83NANANA
Male Tobacco/Level$281.67NANANA
Male/Graded$318.15$475.23$632.31$789.39

87 Years Old

Gender/Rating$10,000$15,000$20,000$25,000
Female/Level$186.67NANANA
Female Tobacco/Level $220.83NANANA
Female/Graded $223.99$333.99$443.98$553.98
Male/Level$242.50NANANA
Male Tobacco/Level$305.00NANANA
Male/Graded$334.82$500.23$665.64$831.05

88 Years Old

Gender/Rating$10,000$15,000$20,000$25,000
Female/Level$198.33NANANA
Female Tobacco/Level $235.83NANANA
Female/Graded $249.82$372.74$495.65$618.56
Male/Level$264.17NANANA
Male Tobacco/Level$328.33NANANA
Male/Graded$352.32$526.48$700.64$874.80

89 Years Old

Gender/Rating$10,000$15,000$20,000$25,000
Female/Level$210.83NANANA
Female Tobacco/Level $250.00NANANA
Female/Graded $275.66$411.48$547.31$683.14
Male/Level$285.83NANANA
Male Tobacco/Level$351.67NANANA
Male/Graded$368.99$551.48$733.97$916.46

Final Expense Insurance Quotes For Seniors age 90

Final expense rates for seniors age 90

Well here we are, the last stop of the final expense train at age 90. Unfortunately, this is the last stop. I really enjoyed going over every year from age 40 to now, our last destination, age 90.

Along the way I hope you learned the importance of getting final expense coverage early and often as it saves you boatloads of money.

This is really the last stop. If you have not locked up coverage at this point then this is it.

90 Years Old

Gender/Rating$10,000$15,000$20,000$25,000
Female/Graded $300.65$448.98$597.31$745.64
Male/Graded$386.48$577.73$768.97$960.21
Final Stop for Final Expense coverage age 90