Final expense rates by age
Sample monthly prices for a $10,000 burial policy, ages 50 to 85. Prices go up with age, so the best time to lock one in is usually now.
| Age | Women | Men |
|---|---|---|
| 50 | $24 | $31 |
| 55 | $28 | $36 |
| 60 | $33 | $43 |
| 65 | $41 | $54 |
| 70 | $53 | $70 |
| 75 | $71 | $97 |
| 80 | $98 | $134 |
| 85 | $136 | $193 |
Whole life final expense, non tobacco, insurer not named, from Choice Mutual quote calculator. Source: Choice Mutual, Rates valid as of March 9, 2026. Not a quote.
What changes the price
- Age when you buy
- Tobacco use
- Health answers. No answers at all means guaranteed issue, which costs more and has a waiting period
- The amount. $10,000 is common. Many plans go up to $25,000 or more
The median funeral with burial cost $8,300 in 2023, per the NFDA. Add up your funeral.
How final expense pricing works
Final expense is small whole life insurance. The price is locked when you buy and does not go up as you age.
Because the price is based on your age when you buy, waiting usually costs more. Each birthday can raise the rate you lock in.
Plans with health questions cost less than guaranteed issue plans, which ask none but have a waiting period of about 2 years.
Common questions
Does the price ever go up?
On most final expense whole life plans, no. The rate stays the same for life.
Can I get more than $10,000?
Yes. Many plans go to $25,000 or more. The price goes up with the amount.
Who gets the money?
The person you name. They can use it for the funeral or anything else.
Lock in your price before your next birthday
Final expense prices go up with age. See yours in two minutes.
About 3 in 4 people guess life insurance costs more than it does. LIMRA 2026