The tool below will provide you with a free, no obligation and instant price quote. Please be sure to fairly assess your health. This is the best way to get a reasonably accurate cost for burial insurance without speaking to an independent agent. Adjust the “Health Class” option to reflect it. Since Burial Insurance is designed for Seniors, you may compare your general health with that other other seniors. 3 choices: Excellent, Decent or Poor. If you choose to apply for coverage, you will have to qualify by answering health questions. Based on those answers, a final rate can be determined. No medical exam is required.