Burial Insurance for Seniors Over 70

Seniors in their 70s have good options for burial insurance. Simplified issue policies are available for those in reasonably good health — these require health questions but no medical exam and offer immediate coverage. Guaranteed issue policies are also available for those with significant health conditions, though premiums are higher and a 2-year waiting period applies.

A healthy 70-year-old can typically expect to pay between $70—$150 per month for $10,000 of burial insurance coverage, depending on gender, health, and the carrier. Women generally pay less than men at the same age. Getting quotes from multiple carriers is the best way to find the most affordable rate.

Not at all. Most carriers offer final expense coverage through age 80 or 85. At 75, you still have access to both simplified issue (if your health allows) and guaranteed issue policies. The important thing is to apply before your health changes further — rates increase with age and health conditions.

Yes. All final expense policies — both simplified issue and guaranteed issue — are available without a medical exam. You either answer health questions (simplified issue) or no questions at all (guaranteed issue). Neither requires a physical examination or blood work.