- Few plans take new buyers at 90.
- Most final expense plans are sold up to about 85.
- Choice Mutual's $10,000 price table stops at age 89.
- Funeral homes must give you a written price list, so you can plan the cost ahead.
What $10,000 costs at 90
Sample monthly prices for $10,000 of final expense whole life, non tobacco. Rates valid as of March 9, 2026. This table has no prices for 90. The oldest it shows is 85.
| Age | Women | Men |
|---|---|---|
| 85 | $136 | $193 |
Source: Choice Mutual, $10,000 Life Insurance Rates. Your price depends on your health, state and the plan.
Final expense insurance is often sold to people from about 50 to 85, Humana says. Some companies stop at 80.
Published prices stop before 90. Choice Mutual's $10,000 whole life table stops at age 89. The oldest price it shows on our table is age 85: $136 a month for a woman and $193 for a man.
Check what you already have. An old policy, a policy through a past job, or veteran benefits may still pay.
You can plan the cost another way. The FTC says funeral homes must give you a written price list, so your family can compare.
Can I get life insurance at 90?
It is hard. Most final expense plans are sold up to about 85. A licensed agent can check if any plan takes new buyers at your age.
Source: Humana (Medicare plan insurer): Does Medicare pay for final expenses and funerals?
What if no plan will take me?
You can still plan. The FTC says funeral homes must give you a written price list, so you can compare and set money aside.
Source: FTC, Shopping for Funeral Services
What does a funeral cost?
NFDA put the 2023 median cost of a funeral with viewing and burial at $8,300. With cremation it was $6,280.
Source: NFDA funeral statistics
Tips that help
- Ask a licensed agent which plans take new buyers at your age in your state.
- Look for any policy you already have, and tell your family where it is.
- Get written price lists from funeral homes.
- Write down your wishes so your family knows what to do.
