---
title: Life insurance over 90: Prices and Plans | Coverfolk
url: https://coverfolk.com/for/over-90
updated: 2026-10-08
---

# Life insurance over 90

It is hard to buy a new policy at 90. Most final expense plans are sold up to about age 85, and Choice Mutual's $10,000 price table stops at age 89. A licensed agent can check which plans, if any, take new buyers at your age in your state. You can also plan the funeral costs another way.

* Licensed agents in 15 states
* The quote is free

Updated October 8, 20264 sources[Fact checked](/editorial-standards)

Key takeaways

* 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](https://choicemutual.com/life-insurance-cost/10000/). 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?](https://www.humana.com/medicare/medicare-information/medicare-coverage-and-benefits/are-there-medicare-death-benefits)

## 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](https://consumer.ftc.gov/articles/shopping-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](https://nfda.org/news/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.

## Sources

1. [Choice Mutual, $10,000 Life Insurance Rates](https://choicemutual.com/life-insurance-cost/10000/)
2. [Humana (Medicare plan insurer): Does Medicare pay for final expenses and funerals?](https://www.humana.com/medicare/medicare-information/medicare-coverage-and-benefits/are-there-medicare-death-benefits)
3. [FTC, Shopping for Funeral Services](https://consumer.ftc.gov/articles/shopping-funeral-services)
4. [NFDA funeral statistics](https://nfda.org/news/statistics)