Burial Insurance Made Easier to Understand
Explore coverage options, understand estimated costs, and compare life insurance solutions with help from an independent licensed agent. Final expense insurance can help your loved ones pay funeral costs and other eligible expenses.
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What Is Final Expense Insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs — including funeral services, burial or cremation, medical bills, and outstanding debts — so your family isn't left with an unexpected financial burden. Premiums are typically fixed for life, and most policies don't require a medical exam.
Protects Your Family
The death benefit is paid tax-free to your beneficiary, who can use it for funeral costs, debts, or anything else.
Locked-In Rates
Your monthly premium never increases and your coverage never decreases — no matter what happens to your health.
No Medical Exam
Most final expense policies require only a few health questions. Guaranteed issue options ask no questions at all.
How Much Coverage Do You Need?
Compare common coverage amounts. The right amount depends on the type of service you want and any debts you'd like to cover.
$5,000
Basic Cremation & Final Debt
Covers a simple cremation and small outstanding bills.
$10,000
Standard Burial & Service
Covers a traditional funeral service and basic burial costs.
$15,000
Full Funeral + Buffer
Covers a complete funeral with room for medical bills or debts.
$20,000
Full Service + Legacy
Full funeral costs plus extra to leave behind for loved ones.
$25,000
Comprehensive Protection
Covers funeral, debts, and leaves a meaningful legacy.
Coverage amounts shown are common selections — your actual options and premiums depend on age, health, state, and carrier. Request a quote for your personalized rate.
Burial Insurance Rates by Age
Compare estimated monthly premiums across common coverage amounts. Rates are shown for healthy non-tobacco applicants and are organized by age from 50 through 85.
A few health questions, no medical exam, and immediate coverage for qualifying applicants.
| Age | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|
| 50 | $31/mo | $44/mo | $57/mo | $71/mo |
| 55 | $36/mo | $52/mo | $68/mo | $84/mo |
| 60 | $43/mo | $63/mo | $83/mo | $103/mo |
| 65 | $54/mo | $79/mo | $105/mo | $130/mo |
| 70 | $70/mo | $103/mo | $136/mo | $169/mo |
| 75 | $97/mo | $144/mo | $191/mo | $238/mo |
| 80 | $135/mo | $203/mo | $268/mo | $332/mo |
| 85 | $178/mo | $288/mo | $384/mo | $440/mo |
Showing male, non-tobacco, simplified issue whole life estimates.
These premiums are illustrative estimates based on the assumptions shown and are not a guarantee of coverage or price. Actual premiums, eligibility, benefits, and underwriting requirements vary by insurer, product, age, state, tobacco use, and health history. Final rates are subject to carrier approval.
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What Influences Your Premium?
Several factors shape the monthly cost of a final expense policy. Understanding them helps you make a confident, informed choice.
Age
Premiums increase as you get older. Locking in a rate sooner typically costs less over time.
Sex
Women generally pay lower premiums than men because of longer average life expectancy.
Tobacco Use
Tobacco users usually pay higher premiums. Some carriers offer non-tobacco rates after a qualifying period.
Health History
Simplified issue plans ask a few health questions; guaranteed issue plans ask none but include a waiting period.
Coverage Amount
The more coverage you choose, the higher your monthly premium. Benefits are typically $5,000–$25,000.
State & Carrier
Rates vary by insurer and where you live. As an independent broker, we compare multiple carriers for you.
Types of Life Insurance We Compare
Understanding your options helps you choose the right coverage. Here are the main product types we shop across carriers.
Simplified Issue Whole Life
A few health questions — no exam
- No medical exam required
- A short set of health questions
- Coverage can start on day one
- Lower premiums than guaranteed issue
- Premiums locked in for life
- Builds cash value over time
- May not be available if you have serious health conditions
Best if you're in relatively good health and want the lowest premium.
Guaranteed Issue Whole Life
No health questions — acceptance guaranteed
- No medical exam
- No health questions at all
- Acceptance is guaranteed (within age range)
- Typically available ages 50–85
- Premiums locked in for life
- Builds cash value over time
- Usually includes a 2–3 year graded waiting period
- Higher premiums than simplified issue
Best if you've been declined elsewhere or have serious health conditions.
Other Life Insurance Products
Term & fully underwritten options
- Term life for a set period (10, 20, or 30 years)
- Higher coverage amounts available
- Fully underwritten options for maximum coverage
- Whole life and universal life options
- May require a medical exam for larger amounts
- We compare options across multiple carriers
- Fully underwritten means blood, urine, samples & a physical may be required
Best if you're in good health and want larger coverage or a set term.
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Authorized Carrier Comparison
No single insurer is right for everyone. Compare coverage limits, health requirements, waiting periods, and financial ratings across the top-rated life insurance carriers we are authorized to offer.
| Carrier & Brand | AM Best Rating | Underwriting Classification | Coverage Limits | Issue Ages | Waiting Period Provision | Health Questions? | Primary Use Case |
|---|---|---|---|---|---|---|---|
| Mutual of OmahaLiving Promise Whole Life | A+ Superior | Simplified Issue | $2,000–$50,000 | 45–85 (Level benefit) / 45–80 (Graded benefit) | Level: Day 1 immediate coverage | Graded: 2-year waiting period | Yes (No Exam) | Day-one coverage, competitive rates, and fast digital approvals |
| Baltimore LifeiProvide Whole Life | A- Excellent | Simplified Issue | $2,500–$50,000 | 50–85 (varies slightly by tier) | Silver Guard I: Day 1 | Silver Guard II/III: Graded benefit | Yes (No Exam) | Flexible underwriting tiers and strong Midwest presence |
| Royal Neighbors of AmericaEnsured Legacy Final Expense | A- Excellent | Simplified Issue | $5,000–$30,000 | 50–85 | Level: Day 1 immediate coverage | Graded: 2-year waiting period | Yes (No Exam) | Fraternal member benefits, community dividends, and diabetic-friendly underwriting |
| Corebridge FinancialGuaranteed Issue Whole Life | A Excellent | Guaranteed Issue | $5,000–$25,000 | 50–80 | 2-Year Graded Death Benefit | None (Guaranteed) | Applicants with serious pre-existing conditions or prior declinations |
| AflacAflac Final Expense Whole Life | A+ Superior | Simplified Issue | $2,000–$50,000 | 45–80 | Level: Day 1 immediate coverage | Modified: Graded waiting period | Yes (No Exam) | High brand trust and competitive rates across broad age groups |
| AetnaProtection Series Final Expense | A Excellent | Simplified Issue | $2,000–$50,000 | 40–89 | Level: Day 1 immediate coverage | Modified: Graded period | Yes (No Exam) | Household discount opportunities and competitive senior rates |
| TransamericaImmediate Solution, 10-Pay Solution, Easy Solution, Lifetime Whole Life | A Excellent | Both Available | $1,000–$100,000 | 0–85 (depending on solution) | Immediate Solution: Day 1 | Easy Solution: 2-Year graded benefit | Yes (No Exam) | Higher coverage amounts (up to $100k) and flexible payment terms (10-Pay) |
| Gerber LifeGerber Life Guaranteed Life Insurance | A Excellent | Guaranteed Issue | $5,000–$25,000 | 50–80 | 2-Year Graded Death Benefit | None (Guaranteed) | Recognized household name for guaranteed approval without health checks |
Independent Brokerage Disclosure: Mutual Life Quotes LLC is an independent life insurance agency and is appointed with the carriers listed above. We do not represent any single company exclusively. Product features, issue ages, state availability, and underwriting criteria are subject to carrier guidelines and state insurance department approval. Guaranteed-issue policies feature graded death benefits during the initial waiting period (typically 2 years).
Estimate Real Funeral Costs
Most families are surprised by the full cost of a funeral. Use our free funeral cost estimator to build a realistic estimate — then see how affordable final expense insurance can cover it.
Estimates are for planning only and are not guaranteed quotes.
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We Compare Top Carriers
A licensed agent compares rates from top-rated carriers to find your best option.
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We present the best options for your budget and health — then you decide.
Frequently Asked Questions
Why Work With an Independent Licensed Agent?
We don't work for one insurance company — we work for you. Here's how quotes work and how your information is handled.
How Quotes Work
- We compare multiple top-rated carriers — not just one.
- You receive personalized quotes based on your age, health, and state.
- We explain your options in plain English — no jargon.
- You choose what fits your budget. We never pressure you to buy.
- Estimates are not guaranteed quotes until a carrier approves your application.
How Your Information Is Handled
- Your information goes to ONE licensed agent only.
- We never sell your data to lead farms or multiple agencies.
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- You can opt out of any communication at any time.
Real People. Real Results.
"I was paying too much for life insurance and didn't even know it. Mutual Life Quotes found me a Mutual of Omaha plan for less than $40 a month!"
Sandra K.
Peoria, IL
"Thought I couldn't get coverage because of my diabetes. They got me preferred immediate coverage with Baltimore Life in 2 days."
James R.
Bloomington, IL
"Fast, friendly, and no pressure. Even at 86 years old, they were able to get my mom preferred burial insurance coverage when others wouldn't."
Brenda M.
Aston, PA
An Independent Agency Built on Trust & Transparency
Mutual Life Quotes is an independent life insurance agency based in Peoria, Illinois, serving clients in all 50 states nationwide. As an independent broker, we don't work for any single insurance company — we work for you. That means we can shop dozens of top-rated carriers to find the right coverage at the best possible rate for your unique situation.
We specialize in final expense, whole life, and guaranteed issue life insurance — helping families protect their loved ones without the hassle of medical exams or pushy sales calls. Your information goes to one licensed agent only, and is never sold to lead farms or multiple agencies.
15+
Top-rated carriers compared
50
States served nationwide
1
Agent only — never sold
0
Medical exams required