Free tool · Ages 50–85
Final expense calculator: what burial coverage costs at your age
Pick your age and the coverage you want. You’ll see the monthly cost — and whether it’s enough to cover a funeral and final bills.
An estimate, not a quote — for a healthy applicant who qualifies for a day-one (level) plan, based on real carrier rate tables. Health history, state and carrier change the real price; many health conditions still qualify, and graded plans cover more. The $16,000 marker is our rule of thumb for a typical funeral, cemetery costs and final bills — your family’s number may differ.
How much coverage is enough?
The National Funeral Directors Association’s latest price study puts the national median for a funeral with viewing and burial at about $8,300 — before the cemetery plot, opening the grave, the vault, the headstone and final bills. Add those and most families need about $16,000. That’s the marker in the calculator: below it, your family may have to cover the gap; at or above it, the policy should handle it.
Under 70? Aim for $20,000 or more. Funeral prices keep rising, but a final expense benefit stays level for life — buying a bigger cushion now, at today’s age, is how you stay ahead of inflation. More: how much a funeral costs in 2026.
Monthly cost by age
Healthy non-smokers, day-one (level) coverage, from carrier rate tables we work with:
| Age | $10,000 · women | $10,000 · men | $20,000 · women | $20,000 · men |
|---|---|---|---|---|
| 50 | $26–$29 | $31–$34 | $50–$55 | $61–$64 |
| 60 | $35–$38 | $43–$49 | $66–$75 | $83–$95 |
| 65 | $43–$47 | $56–$60 | $84–$92 | $108–$117 |
| 70 | $57–$62 | $75–$81 | $113–$123 | $146–$158 |
| 75 | $72–$82 | $100–$111 | $153–$162 | $197–$219 |
| 80 | $101–$114 | $136–$156 | $203–$227 | $269–$308 |
Estimates, not quotes. Tobacco, health, state and carrier change the price.
Health history? You still have options
Many managed conditions — diabetes, high blood pressure, a past heart attack or cancer — still qualify for day-one coverage at the right carrier. Graded plans cover more serious histories, and guaranteed-acceptance plans ask no health questions at all. See every condition guide or read about coverage with no waiting period.
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Final expense calculator FAQ
How much final expense insurance do I need?
Enough for the funeral, the cemetery and your final bills. A funeral with viewing and burial had a national median of about $8,300 before cemetery costs in the National Funeral Directors Association’s latest study; add a plot, a headstone, the vault and final bills, and many families need about $16,000. If you’re under 70, consider $20,000 or more so the benefit keeps pace with rising costs.
How much does $10,000 of burial insurance cost a month?
For a healthy non-smoker, carrier rate tables put $10,000 of day-one final expense coverage at roughly $43–$47 a month for a 65-year-old woman and $56–$60 for a 65-year-old man. Age, tobacco and health change the price.
How much does $20,000 of final expense insurance cost?
About $84–$92 a month for a healthy 65-year-old non-smoking woman and $108–$117 for a man of the same age, based on carrier rate tables we work with.
Does final expense insurance go up in price?
No. Final expense is whole life insurance: the premium is locked in for life and the benefit never decreases. That’s why buying a little more while you’re younger pays off — the price is set at today’s age.
Can I get final expense insurance with health problems?
Usually, yes. Many managed conditions still qualify for day-one coverage at the right carrier, graded plans cover more serious histories, and guaranteed-acceptance plans ask no health questions. See our condition guides.
Is $5,000 of life insurance enough for a funeral?
Usually not on its own. It can cover a simple cremation in many areas, but a funeral with viewing and burial typically costs more than that before cemetery costs. Many families aim for about $16,000.