Real prices, not rate cards
What People Actually Paid for Final Expense Coverage
Every number below is the median of real placed policies — what applicants ended up paying after underwriting, not an advertised teaser rate. Figures are national medians from 14,398 recent placed policies, shown with their sample size (n).
Policies placed 2024–2026 · data refreshed July 2026
How much does burial insurance cost in 2026? The median real price is $60 per month for a $10,000 policy, based on real placed policies (2024–2026). A $5,000 policy runs a median of $42/month, and $25,000 runs $75/month. Women pay less than men at every age; prices roughly double between age 55 and 80.
$10,000 coverage — median monthly premium
The most common final expense amount. Medians by age and gender.
| Age | Female | Male |
|---|---|---|
| 50–54 | $34/mo | — * |
| 55–59 | $41/mo | $53/mo |
| 60–64 | $45/mo | $60/mo |
| 65–69 | $54/mo | $69/mo |
| 70–74 | $64/mo | $85/mo |
| 75–79 | $89/mo | $101/mo |
| 80+ | $108/mo | $110/mo |
* Figures are shown only where enough real policies sit behind them. Medians are rounded to the dollar; your own rate depends on health and underwriting.
$25,000 coverage — median monthly premium
A step up in protection. Medians by age and gender.
| Age | Female | Male |
|---|---|---|
| 50–54 | $47/mo | $61/mo |
| 55–59 | $56/mo | $68/mo |
| 60–64 | $63/mo | $74/mo |
| 65–69 | $68/mo | $89/mo |
| 70–74 | $81/mo | $104/mo |
| 75–79 | $99/mo | $126/mo |
| 80+ | $98/mo | $113/mo |
Yes — the 80+ female median sits a dollar under 75–79. That’s what the real data says: smaller, healthier groups of applicants get approved at those ages.
By coverage amount — all ages
Median and typical range (middle 50% of what people paid).
| Coverage | Median | Typical range |
|---|---|---|
| $2,500 | $32/mo | $22–$47 |
| $5,000 | $42/mo | $31–$60 |
| $10,000 | $60/mo | $45–$87 |
| $25,000 | $75/mo | $50–$112 |
| $50,000 | $95/mo | $58–$137 |
Notice the shape: $25,000 costs about 25% more than $10,000, not 2.5× more. Per dollar of coverage, larger policies are consistently cheaper.
Quick answers from the data
How much does burial insurance cost for a 70-year-old?
For $10,000 of coverage, women aged 70–74 pay a median of $64/month (294 real policies) and men pay $85/month (170 policies).
What is a fair price for a $10,000 final expense policy?
The middle 50% of buyers pay between $45 and $87 per month, with a median of $60 — across real placed policies. If you are quoted far above $87, compare further.
Do men pay more than women for final expense insurance?
Yes. At ages 65–69 with $10,000 of coverage, men pay a median of $69/month versus $54/month for women — roughly 20–25% more at most ages.
How much more does $25,000 of coverage cost than $10,000?
About 25% more per month ($75 vs $60 median), not 2.5× more. Per dollar of coverage, larger policies are consistently cheaper.
Why are these prices different from advertised rates?
Advertised rate cards show the price for a perfectly healthy applicant. These figures are the median of what applicants actually ended up paying after underwriting, published with each sample size — a less flattering, more honest number.
Why these numbers don’t match the rate cards you see elsewhere
Most comparison sites publish carrier rate cards — the price a company advertises for a healthy applicant at an exact age. Real people aren’t rate cards: health history, tobacco use and the plan an agent actually finds for you all move the final price.
We publish the median of what applicants really ended up paying after underwriting, with the sample size next to every figure. It’s a less flattering number — and a far more honest one. How we build these figures is on our About page.
See where you’d land
Two minutes of questions, and a licensed agent brings you real, binding quotes — not estimates.
Get my real quotesPrefer to talk? Call (888) 508-9979 — real people, Mon–Fri.