Burial insurance for seniors over 70 is widely available with no medical exam. See premium ranges, policy types, and how to get approved at the best rate after 70.
Turning 70 doesn't mean the door to life insurance closes — it just means the conversation changes. Burial insurance for seniors over 70 is widely available, requires no medical exam in most cases, and locks in fixed premiums for life. This guide explains what to expect: how it works, what it costs, which policy type fits your health, and how to avoid the most expensive mistakes.
Burial insurance (also called funeral insurance or final expense insurance) is a small whole life policy — typically $5,000 to $25,000 — designed to cover end-of-life costs without requiring extensive underwriting. Coverage is specifically structured to stay accessible past age 70, when most traditional term life insurance either expires or becomes prohibitively expensive.
Typical monthly premiums for a $10,000 policy at age 70+:
Women typically pay 20–30% less than men at the same age. For the full age-by-age breakdown, see how much funeral insurance costs in 2026.
Available up to age 80 at most carriers. Requires 10–20 health questions but no medical exam. Immediate full coverage (no waiting period) if you qualify. Lower premiums.
Available up to age 85 at most carriers. No health questions, guaranteed approval. Two-year graded benefit period for natural-cause deaths. Higher premiums. See who qualifies for burial insurance.
Yes. Simplified and guaranteed issue policies are widely available up to age 85.
Most carriers cap new applicants at 85; a few accept up to 90.
No. Most burial insurance requires only a short health questionnaire, and guaranteed issue skips questions entirely.
Usually yes. Traditional life insurance becomes expensive or unavailable. Burial insurance remains accessible and the premiums stay level. See is burial insurance worth it.
At Titan Concierge, we specialize in matching seniors over 70 with the right carrier. Explore the Titan 360 funeral insurance plan for a personalized comparison.