At 85, a $10,000 final expense policy runs about $136 a month for a woman and $193 for a man in a published national sample.
Sample prices at 85
| Policy | Women | Men |
|---|---|---|
| $10,000 final expense | $136 | $193 |
Final expense: Choice Mutual, Rates valid as of March 9, 2026. Not quotes.
Your options at 85
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
At 85 many final expense plans are at or near their top issue age. Some guaranteed issue plans stop at 85, so it helps to apply before your next birthday.
At 85, 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 85 year old get life insurance?
Yes. At 85 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 85?
A published national sample shows $136 a month for a woman and $193 for a man, non tobacco. Your price depends on your health and the company.
Do I need a medical exam at 85?
Not always. Many final expense plans use health questions only, and guaranteed issue plans ask none.
