What is burial insurance for seniors?

Burial insurance, also called final expense insurance, is a simplified whole-life policy covering funeral costs and leaving money for loved ones. It offers permanent coverage with predictable premiums.

Can a 75-year-old get burial insurance?

Yes. Most 75-year-olds still qualify for simplified issue plans with no medical exams.

Can someone aged 76–78 still qualify?

Yes. Many carriers accept applicants in this age range, even with controlled diabetes, high blood pressure, COPD, or even CHF.

Is burial insurance available for an 80-year-old?

Yes. Many insurers offer simplified issue plans for 80-year-olds. $10,000–$25,000 of permanent coverage is pretty common with no medical exam and lifetime benefits and rates guaranteed.

Can seniors over 85 get coverage?

Yes. Simplified issue is still available for those 80+ with no medical exam. However, guaranteed issue plans are not available beyond age 85 with any insurer.

Are there options for seniors over 90?

Application acceptance past age 90 is not available with any company. Only 1–2 carriers currently accept applications at age 90 and applicants must still meet health requirements. Guaranteed Issue is not available beyond age 85.

Can seniors with health issues still get burial insurance?

Yes. Most seniors with mild to moderate conditions — such as COPD, diabetes, heart problems, or a past cancer diagnosis — can qualify for simplified issue or graded plans.

How can independent insurance agents help seniors?

Independent agents compare multiple carriers to find the best rates, avoid modified or delayed plans, and match your specific health profile to the right coverage.

How does a Graded Benefit plan work?

Partial death benefits are paid during the first 24 months (5–30% year one, 50–70% year two), with full benefits starting on the 25th month. Accidental death is usually paid in full immediately.

How soon can beneficiaries access funds?

Simplified Issue pays in full upon the receipt of a death claim/certificate. Guaranteed Issue may require a 2–3 year waiting period for natural death benefits.

Burial Insurance Archives | Maple Valley Insurance Group

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