Final Expense Insurance For 70 And Over [Rates/Guide]

Final Expense Life Insurance Over 70 Years Old

Ok, so here we are, post-retirement, grandkids jumping on your lap. Above all, you are in the stage of your life that you can enjoy things that are important, FAMILY!!

Overall, at this age you can reflect on the important things. For example, how you raised a family. Or, the decades of dedication to a career that provided you the tools necessary to provide for your family.

Again, you have always protected your family, emotionally and financially. You have done that since the were crawling, to catching a football, walking down the aisle, and even today. Its just what us parents do, its part of the job detail when we applied to be a parent!

In this article we will talk about the most important things, what you will have to pay to protect your family. This is not something new.

When that day comes, there will be final expenses. Above all, funeral costs. When buying life insurance age 70 and over you will need to make sure that these things are taken care of. This is what we will go over.


What Is The Process That I Will Need To Go Through

Above all, this is the most important question. Furthermore, lets go over the process and what you will be expecting so you are prepared. After all, none of us likes to be blindsided.

So here is the deal, first and foremost, you will need to find a great insurance agent. No, they are not all the same, unfortunately, many think that and I am sure that is why 80% are overpaying and in the wrong product.

Again, this is not term life insurance, it is final expense insurance. So there will not be any medical exams. In fact, final expense coverage is a simplified issue whole life insurance policy. In most cases, coverage begins same day.

It is important tom realize that picking an independent final expense agent is above the most important. This agent will get you properly qualified by asking you health questions. Overall, this will enable them to shop you to the right final expense life insurance companies.

Another key point, is your health history. Once you narrow it down to the few carriers it will come down to current and past health issues to determine an accurate final expense insurance quote.


Purchasing Final Expense Insurance Over 70

Above all, you now have the agent, he has qualified you, and now you have a few carriers to choose from. At this point if you are in good health than it should be a simple process. In some cases 20-30 minutes and you have coverage. So now it is time to be purchasing life insurance from your agent.

However, if you have significant health impairments then it you may have to look at a specialty carrier that specializes in this particular health impairment. Your independent agent will know exactly which carrier will.

Furthermore, it is very important when buying life insurance to make sure you have the best options and life insurance coverage. This is what will determine if you overpay for your funeral insurance.

With this in mind, having a health issue when purchasing final expense life insurance for seniors over 70 may prevent you from getting day one coverage. If health issues are serious, for example, congestive heart failure then the only option would be a guaranteed issue burial insurance policy.

In the event that the carrier approves the policy then you will at that point pick your beneficiaries, provide payment information, and pick a due date. The beneficiary receives the death benefit in the event of the death of the insured.


What Will The Rates Be For Final Expense Insurance Over 70

Ok, now lets get down to the part you have been waiting for. It is important for you to realize that there are different rate classes. Here are the rate classes so you can better understand the rates below.

  • Level Benefit (Best Rate Class/Minor health impairments)
  • Graded/Modified Benefit (Moderate to Severe Health Impairments)
  • Guaranteed Issue (2 year waiting period, severe health issues)

We will also give rates for ages 70-79. These are accurate rates and the same you would be paying. However, you need to speak to a professional to make sure you are pre-qualified and matched up with the right carrier.

Fill-out the quote box to the right at any time and I or a licensed expert in final expense will reach out to you.


Final Expense Insurance For Age 70

Burial insurance for a 70 year old woman

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$103.23
$128.29
$153.31
$203.35
Female Tobacco/Level $136.72
$170.15
$203.58
$288.29
Female Graded$137.22
$176.91
$250.92
$292.14
Female Modified$173.38
$292.23
$349.96
$407.68
Female/Guaranteed Issue$150.15
$187.46
$300.42
$399.58

Burial insurance for a 70 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$136.84
$170.30
$203.76
$278.54
Male Tobacco/Level$168.80
$250.43
$299.92
$419.83
Male Graded$168.80
$247.74
$339.26
$395.21
Male Modified$228.01
$379.78
$455.01
$530.25
Male/Guaranteed Issue$197.45
$246.58
$352.92
$469.58

Final Expense Insurance For Age 71

Burial insurance for a 71 year old woman

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 Graded $147.62
$193.58
$273.30
$318.25
Female Modified $185.67
$301.19
$360.70
$420.22
Female/Guaranteed Issue$164.82
$205.79
$322.92
$399.58

Burial insurance for a 71 year old man

Gender/Rating$20,000$25,000$30,000$40,000
Male/Level$147.85
$184.06
$220.27
$300.88
Male Tobacco/Level$175.79
$266.56
$319.27
$450.41
Male Graded $175.79
$264.41
$369.32
$430.27
Male Modified $246.12
$399.80
$479.04
$558.28
Male/Guaranteed Issue$215.42
$269.04
$375.42
$499.58

Final Expense Insurance For Age 72

Burial insurance for a 72 year old woman

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 Graded $159.01
$203.99
$295.69
$344.37
Female Modified $197.95
$310.12
$371.42
$432.72
Female/Guaranteed Issue$178.75
$223.21
$350.42
$466.25

Burial insurance for a 72 year old man

Gender/Rating$20,000$25,000$30,000$40,000
Male/Level$158.84
$197.80
$236.76
$319.00
Male Tobacco/Level$183.39
$289.48
$346.77
$476.08
Male Graded $183.39
$278.99
$399.34
$465.30
Male Modified $264.24
$419.85
$399.34
$586.35
Male/Guaranteed Issue$233.02
$291.04
$400.42
$532.91

Final Expense Insurance For Age 73

Burial insurance for a 73 year old woman

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 Graded $169.40
$218.57
$318.07
$370.48
Female Modified $209.64
$319.07
$382.17
$445.26
Female/Guaranteed Issue$192.13
$239.94
$377.92
$502.91

Burial insurance for a 73 year old man

Gender/Rating$20,000$25,000$30,000$40,000
Male/Level$172.15
$211.56
$253.27
$340.16
Male Tobacco/Level$191.39
$299.82
$374.27
$510.75
Male Graded $191.39
$299.82
$429.36
$500.32
Male Modified $281.48
$439.90
$527.16
$614.42
Male/Guaranteed Issue$249.52
$311.67
$427.91
$569.58

Final Expense Insurance For Age 74

Burial insurance for a 74 year old women

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$132.36
$164.65
$196.94
$229.23
Female Tobacco/Level $177.00
$222.80
$266.76
$310.72
Female Graded $177.00
$235.24
$340.45
$396.59
Female Modified $220.74
$328.03
$392.91
$457.80
Female/Guaranteed Issue$204.42
$255.29
$392.92
$457.91

Burial insurance for a 74 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$180.84
$225.30
$269.76
$314.21
Male Tobacco/Level$205.18
$335.31
$401.77
$468.24
Male Graded $205.18
$320.65
$459.41
$535.38
Male Modified $297.85
$459.92
$551.19
$642.45
Male/Guaranteed Issue$264.92
$330.92
$447.91
$522.08

Final Expense Insurance For Age 75

Burial insurance for a 75 year old women

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$141.62
$176.22
$210.82
$245.43
Female Tobacco/Level $189.39
$244.24
$292.49
$340.73
Female Graded $189.39
$249.82
$362.81
$422.68
Female Modified $231.86
$336.96
$403.63
$470.30
Female/Guaranteed Issue$215.42
$269.04
$410.42
$478.33

Burial insurance for a 75 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$191.85
$239.06
$286.27
$333.48
Male Tobacco/Level$218.78
$357.56
$428.43
$499.30
Male Graded $218.78
$341.49
$489.44
$570.41
Male Modified $314.24
$479.97
$575.24
$670.52
Male/Guaranteed Issue$278.12
$347.42
$470.41
$548.33

Final Expense Insurance For Age 76

Burial insurance for a 76 year old woman

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$153.29
$190.82
$228.34
$265.86
Female Tobacco/Level $201.99
$268.00
$320.96
$373.92
Female Graded $201.99
$278.99
$396.99
$462.56
Female Modified $250.77
$362.75
$434.57
$506.40
Female/Guaranteed Issue$246.58
$308.00
$430.41
$501.66

Burial insurance for a 76 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$210.88
$262.79
$314.71
$366.63
Male Tobacco/Level$232.38
$395.29
$473.71
$552.13
Male Graded $232.38
$374.82
$530.07
$617.82
Male Modified $343.10
$530.39
$635.75
$741.11
Male/Guaranteed Issue$324.87
$405.85
$495.41
$577.50

Final Expense Insurance For Age 77

Burial insurance for a 77 year old women

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$163.81
$203.97
$244.12
$284.27
Female Tobacco/Level $214.38
$282.87
$338.72
$394.58
Female Graded $214.38
$310.24
$431.15
$502.40
Female Modified $269.67
$388.53
$465.52
$542.50
Female/Guaranteed Issue$275.92
$344.67
$452.91
$527.91

Burial insurance for a 77 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$225.06
$280.53
$335.99
$391.46
Male Tobacco/Level$246.17
$430.11
$515.50
$600.88
Male Graded $246.17
$416.48
$570.71
$665.23
Male Modified $371.98
$580.82
$696.26
$811.70
Male/Guaranteed Issue$349.58
$436.25
$522.91
$609.58

Final Expense Insurance For Age 78

Burial insurance for a 78 year old woman

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$173.67
$216.29
$258.91
$301.53
Female Tobacco/Level $222.59
$292.50
$350.28
$408.06
Female Graded $222.59
$341.49
$465.30
$542.25
Female Modified $287.68
$414.32
$496.46
$578.60
Female/Guaranteed Issue$303.42
$379.04
$477.91
$557.08

Burial insurance for a 78 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$241.07
$300.53
$360.00
$419.46
Male Tobacco/Level$259.77
$460.35
$551.78
$643.21
Male Graded $259.77
$470.65
$611.34
$712.63
Male Modified $399.47
$631.24
$756.77
$882.29
Male/Guaranteed Issue$369.58
$461.25
$552.91
$644.58

Final Expense Insurance For Age 79

Burial insurance for a 79 year old woman

Gender/Rating$20,000$25,000$30,000$35,000
Female/Level$183.62
$228.73
$273.84
$318.94
Female Tobacco/Level $230.58
$302.13
$361.84
$421.54
Female Graded $230.58
$374.82
$499.46
$582.10
Female Modified $304.77
$440.08
$527.37
$614.67
Female/Guaranteed Issue$329.08
$411.12
$520.41
$606.66

Burial insurance for a 79 year old man

Gender/Rating$20,000$25,000$30,000$35,000
Male/Level$255.84
$319.00
$382.16
$445.32
Male Tobacco/Level$273.35
$486.21
$582.81
$679.41
Male Graded $273.35
$543.92
$651.98
$760.04
Male Modified $425.57
$681.66
$817.27
$952.88
Male/Guaranteed Issue$406.25
$507.08
$607.91
$708.75