At 80, a $10,000 final expense policy runs about $98 a month for a woman and $134 for a man in a published national sample.
Sample prices at 80
| Policy | Women | Men |
|---|---|---|
| $10,000 final expense | $98 | $134 |
Final expense: Choice Mutual, Rates valid as of March 9, 2026. Not quotes.
Your options at 80
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
What waiting costs
In the same published sample, the $10,000 price goes from $98 at 80 to $136 at 85 for women, and from $134 to $193 for men. Final expense prices are locked when you buy, so the age you buy at sets your price for life.
At 80, plans with health questions usually cost less than guaranteed issue. If you can answer the health questions, try those first. If not, a guaranteed issue plan still pays the full amount after the waiting period, which is often 2 years.
A funeral with burial had a national median cost of $8,300 in 2023. Funeral costs by state.
Other ages
Common questions
Can a 80 year old get life insurance?
Yes. At 80 most people look at final expense or guaranteed issue whole life. Some companies still sell term at this age.
How much is a $10,000 policy at 80?
A published national sample shows $98 a month for a woman and $134 for a man, non tobacco. Your price depends on your health and the company.
Do I need a medical exam at 80?
Not always. Many final expense plans use health questions only, and guaranteed issue plans ask none.
