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About final expense insurance costs
The final expense insurance prices below reflect typical ranges across the US. What you actually pay depends on the options you choose, where you live, and the provider you select. Adjust the calculator above with your details and ZIP code for a closer figure, then compare written quotes before you decide.
Average final expense insurance cost
| Scenario | Typical range (US) |
| $10,000 coverage, age 60s | $40 - $80 / mo |
| $10,000 coverage, age 70s | $60 - $120 / mo |
| $25,000 coverage, age 60s | $90 - $170 / mo |
| Tobacco user | +30% to +50% |
| Guaranteed issue | +20% to +40% |
What affects final expense insurance cost
- Age. The main driver; rates climb each year.
- Coverage amount. More coverage means a higher premium.
- Tobacco use. Smokers pay materially more.
- Health / underwriting. Level (best health) is cheapest; graded and guaranteed-issue cost more.
- Gender. Women generally pay less.
- Carrier. Rates for the same coverage vary widely between insurers.
Frequently asked questions
How much does final expense insurance cost?
A $10,000 policy commonly runs $40 to $120 a month depending on age, health, and tobacco use.
What is final expense insurance?
A small whole-life policy designed to cover funeral, burial, and end-of-life costs, with coverage that never expires and fixed premiums.
Do I need a medical exam for final expense?
No exam is required; level policies ask a few health questions, and guaranteed-issue asks none but costs more.
How much final expense coverage do I need?
Enough to cover a funeral and final bills, commonly $10,000 to $20,000.
Final expense vs term life: which is right?
Final expense is permanent and small, sized for burial; term is larger and temporary, better for income replacement.
Compare quotes
Final expense rates vary widely by carrier. Comparing a few quotes locks in the lowest premium for your coverage.
Get real final expense insurance quotes
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