About 149,000 people in Vermont are 65 or older. A $10,000 final expense policy is a common pick. In a published national sample, that costs $33 to $134 a month between ages 60 and 80.
Sample $10,000 rates by age
| 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 |
National sample from Choice Mutual, Rates valid as of March 9, 2026. Not a Vermont quote.
Vermont rules
- Free look
- Set by policy
- Grace period
- 30 days
- Guaranty protection
- $300,000
- Help line
- 802-828-3302Vermont Department of Financial Regulation
What a funeral costs
Nationally, the median funeral with viewing and burial was $8,300 in 2023. With cremation it was $6,280. Cemetery costs are extra. Add up your own.
Common questions
How much is final expense insurance in Vermont?
It depends on your age, health and tobacco use. A published national sample puts a $10,000 policy at $41 a month for a 65 year old woman and $54 for a 65 year old man. Prices in Vermont may differ.
Is burial insurance the same as final expense in Vermont?
Yes. Burial insurance, final expense and senior life are names for the same kind of small whole life policy.
Source: FTC Funeral Rule · NFDA price study
Can I return a final expense policy in Vermont?
No general free look period for individual life found in Vermont law (8 V.S.A. chapter 103).
Source: Vermont free look law
What if I am turned down for health reasons?
Guaranteed issue plans ask no health questions. They usually have a waiting period of about 2 years before the full benefit pays for a death from illness.
Sources
- Choice Mutual, $10,000 Life Insurance Rates
- 2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)
- Census ACS 2024 1 year estimates, table based summary file
- Census data.census.gov ACS 2020-2024 profile tables, Vermont
- NOLHGA: How You're Protected (coverage as of June 1, 2025)
- NOLHGA: Contact My Guaranty Association
- 8 V.S.A. 3731 standard provisions
