Final Expense Insurance
Rate Charts By Age

Learn more about our coverage rates below.

What is Final Expense?

Final expense insurance—also known as burial insurance or funeral coverage—helps take care of end-of-life expenses like funeral and burial costs. It’s a simple, accessible option offered by life insurance providers, even for seniors or those with pre-existing health conditions.

Curious about how it works and if it fits your budget? Keep reading! We'll break down what final expense insurance is, how it works, and give you an idea of the costs.

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    What Does Final Expense Insurance Cost by Age?

    Let’s explore what final expense insurance might cost based on your age, coverage, and gender if you're a healthy non-smoker. We've compiled average premiums from various providers, but keep in mind these rates are estimates and not guaranteed.

    Sample $5,000 Whole Life Insurance Rate Chart by Age:

    Age

    Male (Monthly Rates)

    Female (Monthly Rates)

    35

    $12

    $11

    40

    $14

    $12

    45

    $15

    $13

    50

    $17

    $14

    55

    $20

    $15

    60

    $23

    $18

    65

    $29

    $22

    70

    $37

    $28

    75

    $50

    $37

    80

    $69

    $51

    85

    $95

    $68

    89

    $181

    $139

     

    Sample $10,000 Whole Life Insurance Rate Chart by Age:

    Age

    Male (Monthly Rates)

    Female (Monthly Rates)

    35

    $21

    $18

    40

    $24

    $21

    45

    $26

    $23

    50

    $31

    $24

    55

    $36

    $28

    60

    $43

    $33

    65

    $54

    $41

    70

    $70

    $53

    75

    $97

    $71

    80

    $134

    $98

    85

    $187

    $132

    89

    $357

    $275

     

    Sample $15,000 Whole Life Insurance Rate Chart by Age:

    Age

    Male (Monthly Rates)

    Female (Monthly Rates)

    35

    $29

    $25

    40

    $34

    $29

    45

    $37

    $32

    50

    $44

    $35

    55

    $52

    $40

    60

    $63

    $47

    65

    $79

    $59

    70

    $103

    $78

    75

    $144

    $105

    80

    $200

    $145

    85

    $279

    $195

    89

    $535

    $411

     

    Sample $25,000 Whole Life Insurance Rate Chart by Age:

    Age

    Male (Monthly Rates)

    Female (Monthly Rates)

    35

    $45

    $39

    40

    $54

    $45

    45

    $60

    $52

    50

    $71

    $55

    55

    $84

    $64

    60

    $103

    $76

    65

    $130

    $97

    70

    $169

    $127

    75

    $238

    $172

    80

    $330

    $239

    85

    $464

    $324

    89

    $889

    $683

     

    Sample $50,000 Whole Life Insurance Rate Chart by Age:

    Age

    Male (Monthly Rates)

    Female (Monthly Rates)

    35

    $90

    $78

    40

    $108

    $90

    45

    $120

    $104

    50

    $142

    $110

    55

    $168

    $128

    60

    $206

    $152

    65

    $260

    $194

    70

    $338

    $254

    75

    $476

    $344

    80

    $660

    $478

    85

    $928

    $648

    89

    $1,778

    $1,366

     

    It is important to note that these are just average rates. Your actual rate will vary depending on a number of factors, including your age and health.

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    Ease the burden on your loved ones—final expense insurance covers end-of-life costs, so they can focus on honoring your memory, not financial worries.

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