How to Buy Burial Insurance for Parents in 2022

best life insurance for seniors over 60
Kim Wilhelm CEO of Final Expense Direct Life Insurance
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Written by Kim Wilhelm

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Last Updated 08 Feb 2023

As an adult with aging parents, you may worry about how you’ll pay for their final expenses and funeral costs. Don’t let the financial worry keep you up another minute, because you have options available that can ease your stress.

You can buy burial insurance for parents which would pay for their funeral costs so you don’t have to. Here’s what you need to know about buying burial insurance for parents.

Can I Purchase Burial Insurance For My Parents?

Yes, you can purchase burial insurance for your parents or grandparents. Funeral expenses can quickly get to $10,000 or more, and will continue to rise year after year. 

If you’re interested in getting burial insurance for parents, you have to make them aware of what you’re doing. They will have to speak with the agent completing the application so they are aware of the application you’re taking out on their life. 

They’ll also have to sign the application and a form agreeing to have their medical records reviewed, depending on the funeral insurance policy you select.

You can be the owner and the payer, if you wish to pay for it on your parents’ behalf. You can also be the beneficiary, which is the person who receives the death benefit when the insured goes home to meet the Good Lord.

Can You Buy Life Insurance On a Parent Without Their Consent?

No, you cannot buy life insurance on a parent without their consent. It’s insurance fraud and illegal.

HIPAA laws protect health information in the U.S. The insured has to consent to have their medical history reviewed, even if they aren’t the owner or payer of the policy.

If you want to buy burial insurance for parents or grandparents, have a chat with them first. Tell them what you want to buy, why you want to buy it, and who is going to pay for it. 

Make sure they understand what’s happening, so they’re not surprised when they have to speak with the insurance agent and sign documents to complete the application.

What Kind of Insurance Covers Burial?

Burial insurance is the kind of insurance that covers burial. Also called funeral insurance or final expense insurance, burial insurance is a whole life policy that covers burial, funeral expenses, and other end-of-life costs. 

Burial insurance is mostly for seniors, but some companies offer coverage to adults over the age of 18. This is the type of life insurance we recommend for parents and grandparents because it’s easy to get and offers the permanent coverage they need for burial expenses.

Is Burial Insurance Worth Buying?

Although burial insurance doesn’t provide a large death benefit, it is worth buying if you want it to cover funeral expenses. Sure, it isn’t the right choice if you’re looking for years of income replacement or to cover a 30-year mortgage, but it’s just the right amount to pay for burial costs.

How Much Burial Insurance Do I Need?

The amount of burial insurance you need is at least enough to cover funeral costs, unless you have some money tucked away to help cover the expense. With the median funeral costing around $8,800 with burial and viewing, we recommend buying at least $10,000 in burial insurance for parents.

However, some people want more coverage to pay for other things, like end-of-life costs, medical care, or paying off small debts. For these people, higher amounts of burial insurance may be a better choice. 

Some companies offer up to $40,000 in burial insurance coverage, while others offer up to $150,000. If you need more coverage, contact Final Expense Direct. We partner with many burial insurance companies offering various coverage amounts to help you get the right amount of burial insurance you need.

To give you an idea of how much burial insurance for parents can cost, check out these different rate charts for no exam life insurance:

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Can I Get Burial Insurance For Parents Over 60?

Yes, you can get burial insurance for parents over 60. Most burial insurance companies only offer coverage to seniors, so you have to be at least 50 to qualify.

Getting burial insurance for parents over 60 is simple. Contact Final Expense Direct. One of our agents will answer the phone and ask you some questions to help you decide which plan is best for your parents.

Then, we’ll provide quotes, you select what you want, and we’ll complete the application together with your parents. Many of our clients get approved right over the phone in the same phone call.

It’s fast, easy, and most of all, provides peace of mind for you and your parents.

Can I Get Life Insurance For Parents Over 70?

Yes, you can get life insurance for parents over 70. Keep in mind that the older your parents are when you buy funeral insurance, the more expensive it can be. Rates are based on age, gender, coverage amount, and health status.

Although you rarely have to worry about a medical exam, there are still health questions they might have to answer. Even if your parents are in poor health, they still have options, and Final Expense Direct is here to help you navigate it, so you and your parents can get the best rate on the coverage you need.

Can I Get Burial Insurance For Parents Over 80?

Yes, you can get burial insurance for parents over 80, although many companies will only issue coverage to those 85 or younger. If your parents can qualify medically, they can even get a whole life policy with no waiting period that goes into effect immediately. 


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  • More affordable than you think
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  • Know what you qualify for before you buy!

Can I Get Life Insurance For Parents With No Medical Exam?

Yes, you can get life insurance for parents with no medical exam. In fact, that’s the best part about final expense burial insurance. 

Almost all final expense plans come without a medical exam. Your parents may have to answer some health questions on the application, but they won’t have to take a medical exam. 

However, if they’re healthy, a medical exam could get you cheaper rates. It’s something to consider, and you can discuss it with your Final Expense Direct agent to see if your parents are the right fit for a burial insurance policy with a medical exam.

What About Life Insurance For Parents With Health Problems?

If you have parents with health problems, it can be challenging to find the right life insurance. Fortunately, you’ve come to the right place.

Burial insurance is one of the easiest policies to qualify for. If you can answer some health questions, you can usually get a better rate. 

But if your parents have health problems, then you can still get them funeral insurance coverage. There are policies that have guaranteed approval, where no health questions are asked and a medical exam isn’t required.

These policies are the easiest to get, since they’re guaranteed to be issued. Not all age groups qualify for this type of life insurance, but seniors with health problems are the best candidates for guaranteed acceptance burial insurance.


Adult children can and should get burial insurance for parents or grandparents if the need arises. Funeral insurance is a great way to remove the financial burden loved ones often face once the Good Lord calls the parent home. If you haven’t already done so, it’s time to have the conversation with your parents. While not an easy conversation to have, your parents must consent to you buying a final expense policy on their behalf. When you’re ready, give us a call at Final Expense Direct so our agents can do all the work of shopping for a policy with you.


  • Get quotes FAST
  • More affordable than you think
  • Compare quotes from top companies
  • Know what you qualify for before you buy!