How Much Does Final Expense Insurance Cost?
A Breakdown of Burial Insurance Quotes by Age, Gender, and Coverage Amount
Final expense insurance is one of the most accessible life insurance options for seniors—but how much should you expect to pay? In this guide, we'll break down average monthly costs based on your age, gender, and desired coverage. Whether you're looking for a $5,000 or $25,000 policy, this guide will help you make an informed decision.
Seniors calculating funeral insurance costs
Table of Contents
- What Affects the Cost of Final Expense Insurance?
- Sample Burial Insurance Quotes by Age
- Coverage Amounts vs Monthly Premiums
- Costs by Gender and Smoker Status
- Final Expense Insurance Cost Calculator
- Tips to Save on Burial Insurance
- Conclusion
What Affects the Cost of Final Expense Insurance?
Several factors influence what you'll pay:
- Age: The older you are, the higher the monthly premium.
- Gender: Women typically pay less than men.
- Smoker Status: Smokers pay significantly more.
- Coverage Amount: Most policies range from $5,000 to $25,000.
- Health: Some policies offer lower rates for healthier applicants.
Sample Final Expense Quotes by Age
Here's a look at average monthly premiums for $10,000 in coverage:
| Age | Male (Non-Smoker) | Female (Non-Smoker) |
|---|---|---|
| 50 | $30/month | $25/month |
| 60 | $40/month | $32/month |
| 70 | $63/month | $52/month |
| 80 | $110/month | $90/month |
Final expense cost chart by age and gender
Cost by Coverage Amount
These are estimated monthly premiums for a 65-year-old male (non-smoker):
| Coverage Amount | Monthly Premium |
|---|---|
| $5,000 | $25 |
| $10,000 | $47 |
| $15,000 | $70 |
| $20,000 | $92 |
| $25,000 | $115 |
Tip: Many providers offer discounts for bundling or automated payments.
Costs by Gender and Smoker Status
| Profile | Monthly Premium for $10,000 |
|---|---|
| Male, Non-Smoker | $47 |
| Male, Smoker | $61 |
| Female, Non-Smoker | $39 |
| Female, Smoker | $50 |
Cost comparison of burial insurance by gender and smoking status
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Tips to Save on Final Expense Insurance
- Apply Sooner Than Later – Lock in lower rates before your next birthday
- Avoid Smoking – Non-smokers get much better rates
- Shop Around – Don't accept the first quote you get
- Use an Online Quote Tool – Some providers like Ethos offer instant online quotes
Conclusion
Final expense insurance is affordable for most people—especially if you apply early and choose the right provider. Use our calculator to get a cost estimate, and check our other guides to learn how to choose the best policy for your situation.
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This article is for informational purposes only and should not be considered as professional financial or legal advice. Always consult with qualified professionals before making important insurance decisions.