Rates
Final Expense Insurance Rates by Age
Monthly premium, level-benefit simplified issue whole life
Final expense policies are small whole life contracts that never expire and never increase in price. The ranges below assume a level-benefit simplified issue policy with no serious recent health events.
$10,000 of coverage
| Age | Male | Female |
|---|---|---|
| 50 | $36 – $47 | $28 – $37 |
| 55 | $43 – $56 | $33 – $44 |
| 60 | $52 – $69 | $39 – $52 |
| 65 | $66 – $88 | $48 – $65 |
| 70 | $88 – $117 | $63 – $85 |
| 75 | $122 – $163 | $86 – $116 |
| 80 | $174 – $232 | $124 – $167 |
$15,000 of coverage
| Age | Male | Female |
|---|---|---|
| 50 | $52 – $69 | $40 – $54 |
| 55 | $63 – $83 | $47 – $64 |
| 60 | $76 – $101 | $56 – $76 |
| 65 | $97 – $130 | $70 – $95 |
| 70 | $130 – $174 | $92 – $125 |
| 75 | $181 – $242 | $127 – $172 |
| 80 | $259 – $346 | $183 – $248 |
$25,000 of coverage
| Age | Male | Female |
|---|---|---|
| 50 | $85 – $113 | $65 – $88 |
| 55 | $103 – $137 | $77 – $104 |
| 60 | $125 – $167 | $92 – $125 |
| 65 | $160 – $214 | $115 – $156 |
| 70 | $215 – $287 | $152 – $206 |
| 75 | $300 – $400 | $210 – $284 |
| 80 | $430 – $573 | $303 – $410 |
Illustrative ranges only. Applicants with recent hospitalizations or certain conditions may be placed on a graded or guaranteed issue plan at a different rate.
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