How Much Does Burial Insurance Cost?

What drives your premium and how to find the lowest rate.

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Quick answer

Burial insurance typically costs $30 to $100+ a month, depending on your age, health, gender, tobacco use, and benefit amount. A healthy non-smoker in their 60s often pays $30 to $70 monthly for $10,000 in coverage; rates rise with age. Guaranteed issue plans cost more. Compare carriers to find the lowest rate.

Burial insurance pricing depends on a handful of factors. Here is what drives your rate and how to keep it low.

What affects your burial insurance premium?

Five main factors set your rate: age (older means higher), gender (women generally pay less due to longer life expectancy), health and any conditions, tobacco use (smokers pay notably more), and the death benefit you choose. Plan type matters too — simplified issue plans for healthier applicants cost less than guaranteed issue plans that skip health questions. Because each carrier weighs these factors differently, the same coverage can vary by hundreds of dollars a year between companies. That is why comparing multiple A-rated carriers is the single best way to lower your premium.

Sample monthly costs by profile

As a general guide for $10,000 in coverage: a healthy non-smoking woman in her early 60s might pay around $30 to $45 a month, while a man the same age pays a bit more. By the early 70s, premiums often range from $60 to $120, and guaranteed issue plans at any age cost more than simplified issue. Smokers can pay 40% or more above non-smoker rates. These are illustrative ranges, not quotes — your actual price depends on your details. For real numbers, call 1-800-MEDIGAP (1-800-633-4427) and an agent will compare carriers.

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Frequently asked questions

How much does burial insurance cost per month?+

Most seniors pay $30 to $100 or more monthly, depending on age, health, gender, tobacco use, and benefit amount. A healthy non-smoker in their 60s often pays $30 to $70 for $10,000 of coverage. For an exact quote, call 1-800-MEDIGAP (1-800-633-4427).

What makes burial insurance more expensive?+

Older age, tobacco use, poor health, a larger death benefit, and choosing a guaranteed issue plan all raise premiums. Men generally pay more than women. Comparing carriers helps offset these factors because each prices risk differently.

Is burial insurance cheaper if I'm healthy?+

Yes. Healthy seniors qualify for simplified issue plans with lower premiums and immediate full coverage. If you can answer health questions favorably, you will almost always pay less than with a guaranteed issue plan.

How can I lower my burial insurance cost?+

Apply while you are younger and healthier, quit tobacco, choose only the coverage you need, and compare several carriers. Because identical coverage can differ by hundreds of dollars a year between companies, shopping around is the most effective way to save.

Do burial insurance premiums increase over time?+

No. Burial insurance is whole life coverage with level premiums that never increase. The rate you lock in at purchase stays the same for life, as long as you keep paying.

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