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Burial Insurance Company Comparison (2026)
| Company | Coverage Range | Issue Ages | Monthly Premium* | AM Best Rating | Waiting Period |
|---|---|---|---|---|---|
| Mutual of Omaha | $2,000 – $50,000 | 45-85 | $35-$95 | A+ (Superior) | 0-2 years |
| AIG | $5,000 – $35,000 | 50-85 | $30-$85 | A (Excellent) | 0-2 years |
| Transamerica | $2,000 – $50,000 | 45-85 | $30-$90 | A (Excellent) | 0-2 years |
| Royal Neighbors | $5,000 – $30,000 | 50-80 | $25-$75 | A- (Excellent) | 0-2 years |
| Foresters Financial | $5,000 – $35,000 | 50-85 | $28-$78 | A (Excellent) | 0-2 years |
| Liberty Bankers Life | $3,000 – $35,000 | 50-85 | $30-$80 | B++ (Good) | 0-2 years |
| Prosperity Life | $2,000 – $30,000 | 45-80 | $22-$70 | B+ (Good) | 0-2 years |
| Sons of Norway | $5,000 – $30,000 | 50-85 | $25-$72 | A- (Excellent) | 0-2 years |
| American Amicable | $3,000 – $35,000 | 50-85 | $28-$78 | A- (Excellent) | 0-2 years |
| Gerber Life | $5,000 – $25,000 | 50-80 | $25-$65 | A (Excellent) | 0-2 years |
*Monthly premiums are estimates for a $10,000 policy at age 65, non-smoker. Actual rates vary by health and state.
How to Choose the Right Burial Insurance Company
- Check AM Best Ratings — Only buy from carriers rated A- or higher. This ensures they’ll be around to pay the claim when your family needs it.
- Compare at Least 3 Quotes — Rates vary significantly between carriers. Shopping around saves $20-$50/month on average.
- Consider Your Health — If you’re healthy, choose simplified issue (health questions, lower cost). If you have major health issues, guaranteed issue ensures approval.
- Understand the Waiting Period — Guaranteed issue policies have a 2-3 year waiting period. If you die during this period, beneficiaries only get premiums back plus interest.
- Lock in Your Rate — Burial insurance premiums are level for life. Buy as early as possible to lock in lower age-banded rates.
Burial Insurance Monthly Rates by Age (2026)
| Age | $5,000 Coverage | $10,000 Coverage | $15,000 Coverage | $25,000 Coverage |
|---|---|---|---|---|
| 50 | $18-$25 | $28-$38 | $38-$52 | $58-$78 |
| 55 | $20-$28 | $32-$45 | $44-$62 | $68-$92 |
| 60 | $23-$32 | $38-$52 | $52-$72 | $82-$110 |
| 65 | $28-$38 | $45-$60 | $65-$85 | $100-$135 |
| 70 | $35-$48 | $55-$78 | $82-$108 | $130-$170 |
| 75 | $45-$60 | $72-$98 | $105-$140 | $168-$220 |
| 80 | $60-$80 | $95-$125 | $140-$185 | $225-$298 |
| 85 | $80-$105 | $125-$165 | $185-$240 | $295-$380 |
Estimated monthly premiums for non-smoker males. Rates vary by carrier and health class. Compare quotes from 50+ providers for your exact rate.
Trusted External Resources
- AM Best Insurance Ratings — Verify any burial insurance company’s financial strength rating before purchasing.
- NAIC Consumer Resources — State insurance department contacts and consumer protection guides from the National Association of Insurance Commissioners.
- Social Security Administration — Learn about the $255 lump-sum death benefit available through Social Security.
- IRS Publication 525 — Understand how life insurance death benefits are treated for federal tax purposes.
Watch: How to Compare Burial Insurance Companies
Expert guide to finding the best burial insurance companies and comparing final expense quotes for seniors.
The Bottom Line: Which Burial Insurance Company Is Best for You?
Choosing the right burial insurance company comes down to your specific circumstances. If you’re healthy and want the lowest rates, Mutual of Omaha and Transamerica offer competitively priced simplified issue policies with strong AM Best ratings. If you have pre-existing health conditions and want guaranteed approval, AIG’s guaranteed issue policy and Gerber Life’s no-medical-exam options are reliable choices.
The key is comparing at least three quotes. Rates for the exact same coverage can differ by $20-$50 monthly between carriers. Using a comparison tool that pulls quotes from multiple providers simultaneously saves you time and ensures you’re not overpaying.
Remember: burial insurance is meant to give your loved ones peace of mind — not to make anyone rich. A $10,000-$15,000 policy covers the average funeral, and the death benefit is paid within days of filing a claim. There’s no reason to over-insure or over-pay.
Common Mistakes When Buying Burial Insurance
- Waiting too long to buy — Premiums increase with age. Locking in a rate at 55 instead of 75 saves hundreds per year.
- Buying from the first company you find — Some carriers charge 2x more than others for identical coverage. Always compare.
- Confusing burial insurance with pre-need funeral plans — Pre-need plans lock you into one funeral home. Burial insurance gives your family flexibility to use the benefit however they choose.
- Not naming a contingent beneficiary — If your primary beneficiary passes before you, the death benefit goes to your estate and through probate. Always name a backup.
- Overlooking the free-look period — Most policies have a 30-day free-look window. You can cancel for a full refund if you change your mind.
Frequently Asked Questions
How much does burial insurance cost?
Burial insurance costs $15-$75/month depending on your age and health. A healthy 50-year-old can get $10,000 in coverage for around $35/month. Guaranteed issue policies cost more but require no medical exam.
What does burial insurance cover?
Burial insurance covers funeral costs, burial or cremation expenses, outstanding medical bills, and other final expenses. Coverage typically ranges from $5,000 to $50,000, and the death benefit is paid tax-free to your beneficiaries.
Can I get burial insurance with no medical exam?
Yes, guaranteed issue burial insurance requires no medical exam and has no health questions. Approval is guaranteed for applicants aged 50-85. The trade-off is higher premiums and a 2-3 year waiting period before full benefits apply.
Where can I compare burial insurance quotes?
You can compare free burial insurance quotes from 50+ providers right here on Life Quotes Web. Our comparison tool shows side-by-side rates in under 2 minutes — get your free quotes now.
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