At 65, a $10,000 final expense policy runs about $41 a month for a woman and $54 for a man in a published national sample. A $250,000, 20 year term policy is about $178 for a woman and $245 for a man.
Sample prices at 65
| Policy | Women | Men |
|---|---|---|
| $10,000 final expense | $41 | $54 |
| $250,000 term, 20 years | $178 | $245 |
| $500,000 term, 20 years | $415 | $591 |
Final expense: Choice Mutual, Rates valid as of March 9, 2026. Term: MoneyGeek, Updated September 22, 2026. Not quotes.
Your options at 65
Most coverage per dollar. Many companies sell 10 or 15 year terms at this age. More on term life
A small whole life plan for the funeral and last bills. More on final expense
No health questions, with a waiting period. More on guaranteed issue
Lifetime coverage with a fixed price. More on whole life
What waiting costs
In the same published sample, the $10,000 price goes from $41 at 65 to $53 at 70 for women, and from $54 to $70 for men. Final expense prices are locked when you buy, so the age you buy at sets your price for life.
At 65, a healthy person can often still choose between term life for the most coverage and a small whole life plan that never runs out. Many people do both: term for the mortgage and a small final expense policy for the funeral.
A funeral with burial had a national median cost of $8,300 in 2023. Funeral costs by state.
Other ages
Common questions
Can a 65 year old get life insurance?
Yes. At 65 you can usually choose term life, whole life or a final expense plan, depending on your health.
How much is a $10,000 policy at 65?
A published national sample shows $41 a month for a woman and $54 for a man, non tobacco. Your price depends on your health and the company.
Do I need a medical exam at 65?
Not always. Many final expense plans use health questions only, and guaranteed issue plans ask none.
