The tool below will provide you with a free, no obligation and instant price quote. Please be sure to fairly assess your health compared to your peers. This is the best way to get a reasonably accurate cost for burial insurance without speaking to an independent agent (not advised however). Adjust the “Health Class” option to reflect it. Since Burial Insurance is designed for Seniors, you compare your general health with that other seniors you know. 3 choices: Excellent, Decent or Poor. Based on those answers, a final rate can be determined. No medical exam is required.