Yes, seniors over 80 can get final expense insurance. Most carriers accept applicants up to age 85. Guaranteed issue policies are available for those up to 85 with no health questions. Premiums are higher but coverage is still obtainable.
While premiums are highest at this age, final expense insurance remains available and valuable for seniors over 80. Several carriers specifically serve this market.
A healthy 80-year-old can expect to pay approximately $100-$150 per month for $10,000 in coverage through a simplified issue policy. Guaranteed issue policies will be 30-50% higher. While these premiums are significant, they are still far less than the out-of-pocket cost of a funeral.
The key is to act quickly — every year you wait, premiums increase and fewer options are available.
Compare rates from top final expense insurance carriers.
Burial insurance typically costs between $20 and $150 per month, depending on your age, health, coverage amount, and gender. A healthy 60-year-old can expect to pay around $40-$60 per month for $10,000 in coverage. Read more
Guaranteed issue life insurance is a policy that accepts everyone regardless of health. There are no medical exams and no health questions. The trade-off is a 2-3 year graded benefit period and higher premiums. Coverage ranges from $5,000 to $25,000. Read more
You can be denied simplified issue final expense insurance if you have serious health conditions like active cancer, recent stroke, or organ failure. However, guaranteed issue policies accept everyone regardless of health — no one can be denied. Read more
Compare rates from top final expense insurance carriers.