Can Seniors Over 80 Get Burial Insurance?
It’s not too late — coverage is still available.
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Quick Answer
Yes. Several carriers offer guaranteed issue burial insurance for applicants up to age 85 (and in some cases beyond), with no health questions required.
This ties directly into graded death benefit period, which we cover in detail separately.
Coverage amounts for applicants over 80 are often somewhat smaller and premiums somewhat higher than for younger applicants, simply because the insurer expects to pay a claim sooner on average. Even so, many families find that a modest policy — enough to cover funeral and burial costs — is well worth the monthly premium.
Because guaranteed issue plans for older applicants often include a graded death benefit for the first year or two, it’s worth asking a licensed agent to compare a few carriers side by side to find the best combination of price, coverage amount, and payout terms.
Ready to see your real options? Call (877) 486-3215 now to speak with a licensed agent and get a free, no-obligation final expense insurance quote.
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