What are burial insurance rates by age? There is no average—a non-tobacco male age 60 often pays about $63 per month for $15,000 of simplified final expense coverage in our carrier file. Burial insurance rates by age are the monthly premiums for small permanent policies sized for funeral and end-of-life costs; final expense cost climbs with issue age, gender, tobacco use, and face amount. The chart below shows how age moves the premium before you apply.
These figures are illustrative, not a quote or an offer to insure. Actual burial insurance cost depends on underwriting, state approval, graded versus day-one benefit, and carrier health grids. This is general education, not tax or legal advice; talk with a licensed agent about your situation.
Compare burial insurance rates
The chart is directional. Compare burial insurance quotes across 30+ A-rated carriers at your age and health profile.
Key Takeaways
- Chart-first answer. Burial insurance rates by age jump sharply after 60—use the chart to compare final expense cost at 50, 60, and 70.
- Small face amounts. Most burial policies run $5,000 to $35,000; the chart shows $5K, $10K, and $15K columns.
- Simplified issue. These rows reflect health-question underwriting with no exam—not guaranteed issue pricing.
- Gender pricing. Women usually pay less than men at the same age because carriers price to average life expectancy.
- Carrier shopping. The same age and health profile can price differently across carriers; an independent agent matches you to the best grid.
2026 Burial Insurance Rates by Age — Methodology
Local Life Agents compiled final expense premium snapshots from TransAmerica simplified issue illustrations in August 2026. Figures are non-tobacco unless noted. Use the Female and Male tabs on the rate chart below to compare monthly cost by age for $5,000, $10,000, and $15,000 face amounts. Actual premiums vary by health class, graded benefit election, state, and carrier underwriting guidelines.
- Data source
- Local Life Agents carrier illustrations (TransAmerica simplified issue)
- Carriers
- TransAmerica
- Date range
- August 2026
- States
- All 50 states
Burial insurance rates by age chart
This burial insurance rates by age chart shows monthly final expense premiums—non-tobacco, simplified issue. Switch Female or Male tabs and read down each column to compare cost at ages 50, 60, and 70. Rates as of August 2026; your offer can differ.
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $13.92 | $24.24 | $34.55 |
| 60 | $18.16 | $32.71 | $47.25 |
| 70 | $28.25 | $52.88 | $77.52 |
Source: TransAmerica simplified issue, non-tobacco rates via Local Life Agents carrier data. Valid as of August 2026.
How much does burial insurance cost by age?
Burial insurance cost by age follows a steep curve: modest monthly payments in your 50s, meaningfully higher in your 60s, and sharply elevated at 70. The chart above is directional—most applicants land in a carrier-specific health tier that can raise or lower the row you hope for.
Graded benefit policies cost slightly less than day-one coverage when health history limits your options. Tobacco users pay materially more than the non-tobacco chart shown here.
For how burial insurance works as a product—coverage mechanics, graded benefit, and who it fits—see the main guide. This page focuses on the rate chart and cost patterns by age.
What affects burial insurance rates by age?
- Age at issue — Every birthday raises mortality cost; see the chart for age-by-age comparisons.
- Gender — Women usually pay less at the same age and class.
- Face amount — More coverage costs more per month; compare the $5K, $10K, and $15K columns.
- Tobacco use — Smoker-rated pricing is often 50% to 100% above non-tobacco rows.
- Health class and benefit type — Day-one versus graded benefit and carrier health grids move the final premium.
Burial insurance vs guaranteed issue cost by age
Simplified burial insurance asks health questions but usually skips the exam. Guaranteed issue life insurance approves without health questions but costs more per dollar and often includes a two-year graded death benefit. If you can answer health questions honestly, simplified final expense usually beats guaranteed issue on monthly cost—compare our guaranteed issue rates by age chart when you are weighing both paths.
Expert Tip: Try simplified issue before guaranteed issue
I run simplified final expense first whenever the client can answer health questions honestly. Guaranteed issue is the backup when simplified declines—not the default because a mailer said no exam. The rate chart gap between the two products at the same age can be 30% to 50% or more.
—Ryan Wood
Conclusion
Burial insurance rates by age are not one banner quote—they are a grid of age, gender, face amount, and carrier health tier. As an independent agency, we shop simplified final expense across 30+ A-rated carriers so you see where your profile actually lands. Use the chart on this page for directional final expense cost by age, then run personalized quotes when you are ready. Return to our life insurance hub for product guides.
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