Written by Kim Wilhelm
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Last Updated 28 Nov 2023
Seniors without life insurance often think they won’t be able to afford coverage because of their age or health status. Not only is this not true, but many seniors can find affordable rates for more coverage than they think.
Whether you’re looking for $25,000 or $28,000 in life insurance coverage, Final Expense Direct has you covered. We make the senior life insurance buying process easy, getting many customers covered in just one phone call.
If you’re searching for life insurance for seniors, the shopping process can be daunting. Why put in hours of work getting quotes and comparing companies when you can have someone do it for you — at no extra cost?!
That’s right, Final Expense Direct will ask you a few questions to help you find the right company for your life insurance needs. Then we’ll help you fill out the application right over the phone and get you covered before we hang up the phone.
It doesn’t matter if you’re in perfect health or poor health, we can get you covered.
Keep reading to learn more about buying senior life insurance, including rates from 7 different top-rated life insurance companies for coverage amounts:
- $25,000
- $26,000
- $27,000
- $28,000
- $29,000
Baltimore Life: Best for Healthy Seniors
Great Western: Best for Seniors in Poor Health
Liberty Bankers: Best for Senior Rider Options
Mutual of Omaha: Best for Cheapest Senior Rates
Prosperity Life Group: Best for Senior Smokers
The Best $26,000 Final Expense Insurance Policy by Age
For most seniors, a final expense insurance policy is the best choice when buying life insurance. Lots of companies will offer seniors term life insurance, which is cheaper than final expense insurance.
But, most seniors over 50 will only qualify for 10 or 15 years in term life insurance. And if you live longer than your policy term, you’re left without life insurance.
That’s why final expense insurance is the best choice. Yes, it’s more expensive initially, but you lock in lifetime rates that never increase and coverage that never goes down.
And the younger you are, the cheaper it is. So whether you’re looking for $26,000 or $29,000 in senior life insurance, the sooner you get it, the less you’ll pay.
The Best $27,000 Funeral Insurance Policy by Coverage Needs
The best funeral insurance policy offers enough coverage to meet your needs, whatever they may be.
Some seniors only need enough to pay for their funeral services, while others want to leave money to family members. No matter how much coverage your funeral insurance policy needs to meet, we can help you get covered today.
But not all companies offer more than $25,000 in funeral insurance. For instance, AIG caps their final expense insurance at $25,000, so if you need $26,000, $27,000, or more in senior life insurance, you’ll have to look elsewhere.
Luckily, many of the final expense companies Final Expense Direct partners with offers more than $25,000 in life insurance. Call us today to find out how much you qualify for and which companies offer the best rates for your age and coverage needs.
The Best $28,000 Burial Insurance Policy by Health Status
While some seniors are healthy enough to qualify for any burial insurance policy, others have health issues that make it harder to get approved.
It’s common for seniors to have at least one pre-existing condition, or health concern you’ve seen by a doctor for. Every company has different underwriting guidelines, which means even though one company might not approve you, another one will.
You don’t have to worry about figuring out which company will approve you, though. The agents at Final Expense Direct know the ins and outs of each company’s guidelines. All you have to do is call us, answer a few qualifying health questions, and we can help you decide which company will give you the best rate for your health status.
What’s the Best $29,000 Whole Life Insurance Policy for Seniors I Can Get with Poor Health?
If you’re in poor health, it can be harder to get the best price for a whole life insurance policy for seniors, but not impossible.
Though a lot of life insurers have health questions you have to answer, not all of them do. Great Western, for example, offers final expense whole life insurance for seniors without any health questions. You just complete the application and you’re guaranteed to be approved.
This type of senior final expense insurance is called guaranteed issue life insurance. Answering a few health questions on a simplified issue final expense policy can usually get you cheaper rates, but not everyone qualifies, especially if they’re in poor health or have multiple pre-existing conditions.
So, no matter your age, health status, or coverage needs, Final Expense Direct can get you approved for a whole insurance policy.
What Does a $25,000 - $29,000 Life Insurance for Seniors Policy Cost?
So, what does a $25,000–$29,000 life insurance for seniors policy cost? We gathered rates from 7 different companies to show you sample rates for:
- $25,000
- $26,000
- $27,000
- $28,000
- $29,000
These rates are for 50, 60, and 70 year old men and women who don’t smoke and are in good health. Your rates may be different depending on your age, coverage amount, riders added to the policy, and answers to health questions.
The Best $25,000 Final Expense Life Insurance for Seniors Policy (No Exam)
Company | 50 yr male | 50 yr female | 60 yr male | 60 yr female | 70 yr male | 70 yr female |
$88 | $67 | $138 | $104 | $240 | $171 | |
$85 | $71 | $141 | $102 | $262 | $180 | |
$72 | $56 | $105 | $77 | $182 | $128 | |
$75 | $63 | $114 | $92 | $193 | $147 | |
$81 | $67 | $109 | $84 | $194 | $142 | |
AIG* | $137 | $99 | $186 | $148 | $290 | $220 |
$116 | $96 | $148 | $130 | $236 | $201 |
*These carriers offer guaranteed issue life insurance with no health questions
The Best $26,000 Funeral Insurance Policy for Seniors (No Exam)
Company | 50 yr male | 50 yr female | 60 yr male | 60 yr female | 70 yr male | 70 yr female |
$92 | $70 | $116 | $108 | $250 | $178 | |
$88 | $74 | $146 | $106 | $272 | $187 | |
$75 | $58 | $109 | $80 | $189 | $133 | |
$78 | $65 | $119 | $96 | $201 | $153 | |
$84 | $70 | $113 | $87 | $202 | $150 | |
AIG* | N/A | N/A | N/A | N/A | N/A | N/A |
$121 | $100 | $158 | $130 | $245 | $209 |
*These carriers offer guaranteed issue life insurance with no health questions
The Best $27,000 Burial Insurance Policy for Seniors (No Exam)
Company | 50 yr male | 50 yr female | 60 yr male | 60 yr female | 70 yr male | 70 yr female |
$96 | $73 | $122 | $113 | $260 | $185 | |
$91 | $77 | $152 | $110 | $282 | $194 | |
$78 | $61 | $114 | $83 | $197 | $138 | |
$81 | $68 | $124 | $99 | $209 | $159 | |
$88 | $72 | $118 | $90 | $210 | $157 | |
AIG* | N/A | N/A | N/A | N/A | N/A | N/A |
$125 | $103 | $168 | $138 | $255 | $217 |
*These carriers offer guaranteed issue life insurance with no health questions
The Best $28,000 Final Expense Whole Life Insurance For Seniors Policy (No Exam)
Company | 50 yr male | 50 yr female | 60 yr male | 60 yr female | 70 yr male | 70 yr female |
$99 | $76 | $127 | $117 | $269 | $192 | |
$95 | $79 | $157 | $114 | $293 | $201 | |
$81 | $63 | $118 | $86 | $204 | $143 | |
$84 | $70 | $128 | $103 | $216 | $165 | |
$91 | $75 | $122 | $94 | $217 | $165 | |
AIG* | N/A | N/A | N/A | N/A | N/A | N/A |
$130 | $107 | $177 | $146 | $264 | $225 |
*These carriers offer guaranteed issue life insurance with no health questions
The Best $29,000 Life Insurance For Seniors Policy (No Exam)
Company | 50 yr male | 50 yr female | 60 yr male | 60 yr female | 70 yr male | 70 yr female |
$103 | $79 | $133 | $122 | $279 | $199 | |
$98 | $82 | $163 | $118 | $303 | $208 | |
$84 | $66 | $126 | $89 | $212 | $148 | |
$87 | $73 | $133 | $106 | $224 | $171 | |
$95 | $77 | $127 | $97 | $225 | $172 | |
AIG* | N/A | N/A | N/A | N/A | N/A | N/A |
$134 | $110 | $187 | $154 | $274 | $233 |
*These carriers offer guaranteed issue life insurance with no health questions

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