Planning for Burial Costs After 70
Burial insurance for someone over 70 is best planned around real costs. A traditional burial — plot, vault, casket, marker, and service — often totals well into five figures, while cremation typically costs less.
Estimating your intended arrangements helps you pick a coverage amount that fits rather than guessing.
No-Exam Ways to Qualify at 70+
You do not need a medical exam. Simplified issue plans ask a few health questions and can offer a day-one benefit to those who qualify, and guaranteed acceptance plans ask none.
Which you qualify for, and the price, depends on your health and the carrier.
Get a Personalized Rate in Minutes
Speak with a licensed agent who can quote your exact rate based on your age, state, and health — free and with no obligation.
How Beneficiaries Use the Benefit
The policy pays cash to the beneficiary you name — often an adult child or spouse — who then handles the arrangements.
Because it is unrestricted, anything left after the burial can go toward related bills or the family's needs.
Keeping Coverage Affordable
To keep the premium manageable, match the face amount to your actual plans and qualify as a non-tobacco user where possible.
Comparing several carriers for the same coverage is one of the most reliable ways to find a lower rate.