Seniors over 70 qualify for burial insurance from nearly every major carrier — the product is built for ages 50 to 85. No medical exam is required, and the premium locks in for life at your current age. Health questions carry more weight at 70+, which makes comparing carriers the difference between a fair rate and an expensive one.
Every major final expense carrier issues new policies well into the 80s, so a 70-something applicant is a core customer, not an edge case. What changes from the 60s is weight, not access: health questions matter more because more applicants have a history by now. The product still works the same way — a small whole life policy, no medical exam, a premium that never rises, and a cash benefit paid to your family in days.
Burial insurance prices by age band and locks that price in for life. Bought at 71, the policy keeps the 71-year-old premium at 85; waiting to 76 means permanently paying the older band's rate. The cost page shows the step-ups band by band — the practical takeaway is that at this age, waiting is the most expensive choice.
Which one fits depends on your history and which carrier you apply to. See the full seniors guide for the whole age range, the over-80 guide if you're approaching the top band, or compare carriers below.
| Age | Female | Male |
|---|---|---|
| 50–54 | $24.50/mo | $29.80/mo |
| 55–59 | $29.75/mo | $36.20/mo |
| 60–64 | $36.40/mo | $44.90/mo |
| 65–69 | $45.20/mo | $56.70/mo |
| 70–74 | $58.90/mo | $74.30/mo |
| 75–79 | $78.60/mo | $99.80/mo |
| 80–85 | $106.30/mo | $135.40/mo |
Estimates only, based on illustrative sample rates — not a quote or an offer of coverage. Actual premiums are set by the issuing carrier and vary by state, age, health, and tobacco use. Coverage is not bound until confirmed in writing by the carrier.
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Estimates only, based on illustrative sample rates — not a quote or an offer of coverage. Actual premiums are set by the issuing carrier and vary by state, age, health, and tobacco use. Coverage is not bound until confirmed in writing by the carrier.
Yes. Burial insurance is built for ages 50 to 85, so applicants in their 70s sit squarely inside almost every carrier's issue ages. Coverage comes with no medical exam, and the premium locks in for life at your current age.
They carry more weight, because more applicants have a health history by their 70s. That is exactly why carrier choice matters — the questions one carrier asks may accept your history while another's does not, changing both approval and price.
The premium locks in at your current age, so buying at 70 costs less than waiting to 75 for the same coverage. Rates rise with each age band, which makes comparing carriers the difference between a fair rate and an expensive one.
Guaranteed issue coverage skips health questions entirely and accepts every applicant in the eligible age range. It costs more and uses a two-year waiting period, but it guarantees coverage when simplified issue questions don't fit.
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