Burial Insurance Cost Guide — Updated 2026

How Much Does Burial Insurance Cost in 2026? (Real Rates)

Actual monthly premiums from Security National Life — not projections. See exactly what a policy costs based on your age, gender, and tobacco status.

✓ Rates updated January 2026 — based on SNL Loyalty Plan rate book

Burial insurance (also called final expense insurance) costs anywhere from $18/month to $200+/month depending on your age at application, gender, health classification, and tobacco use. Unlike term life insurance, burial insurance may be offered as immediate coverage at the preferred rate, and your premium is locked in for life once issued.

The tables below show real monthly EFT rates from Security National Life's Loyalty Plan — the same plan GraceCover uses for all quotes. These are Preferred (healthiest) rates. If you have health conditions, you'll see a Modified rate instead. Either way, the rates below represent what a policy actually costs — not a sales approximation.

✓No medical exam required
✓Coverage starts day one
✓Premiums locked — never increase
✓Real SNL rates — no projections

Real Rate Tables

Monthly Premiums by Age & Coverage Amount

Rates shown are Preferred Plan (healthiest classification) monthly EFT rates from Security National Life. Select your profile below.

📋 Preferred Plan rates. Health conditions may qualify you for Modified instead — get your exact rate at the quote page.

Age $10,000 $15,000 $25,000
50 $39.75 $57.92 $94.27
55 $48.59 $71.18 $116.37
60 $58.42 $85.93 $140.95
65 ★ $68.33 $100.80 $165.73
70 $78.61 $116.21 $191.42
75 $89.30 $132.25 $218.15
80 $100.49 $149.03 $246.12
85 $112.18 $166.57 $275.36

★ Age 65 row highlighted as most commonly quoted.  ·  Preferred Plan. Non-tobacco users in good health. Rates locked after issue.  ·  Age at application — lower age = lower rate, locked in for life.  ·  All rates per month via EFT. Card/quarterly modes include a surcharge — see full quote for all modes.

📋 Preferred Plan rates. Health conditions may qualify you for Modified instead — get your exact rate at the quote page.

Age $10,000 $15,000 $25,000
50 $49.38 $72.36 $118.34
55 $60.21 $88.62 $145.44
60 $74.17 $109.56 $180.33
65 ★ $90.24 $133.67 $220.51
70 $107.03 $158.85 $262.48
75 $124.75 $185.43 $306.79
80 $143.68 $213.81 $354.09
85 $164.08 $244.41 $405.09

★ Age 65 row highlighted as most commonly quoted.  ·  Preferred Plan tobacco rates. Tobacco use raises premiums ~44% vs non-tobacco. Quit 12+ months to qualify for lower rates.  ·  Tobacco surcharge built into all tobacco rate cells.  ·  All rates per month via EFT. Card/quarterly modes include a surcharge — see full quote for all modes.

📋 Preferred Plan rates. Health conditions may qualify you for Modified instead — get your exact rate at the quote page.

Age $10,000 $15,000 $25,000
50 $32.76 $47.44 $76.80
55 $39.28 $57.22 $93.10
60 $45.93 $67.20 $109.74
65 ★ $52.25 $76.67 $125.52
70 $58.85 $86.57 $142.01
75 $65.79 $96.99 $159.38
80 $73.14 $108.01 $177.76
85 $80.94 $119.71 $197.24

★ Age 65 row highlighted as most commonly quoted.  ·  Preferred Plan. Women qualify for lower rates due to longer life expectancy data.  ·  Age at application — lower age = lower rate, locked in for life.  ·  All rates per month via EFT. Card/quarterly modes include a surcharge — see full quote for all modes.

📋 Preferred Plan rates. Health conditions may qualify you for Modified instead — get your exact rate at the quote page.

Age $10,000 $15,000 $25,000
50 $40.51 $59.07 $96.18
55 $47.90 $70.15 $114.64
60 $57.69 $84.83 $139.12
65 ★ $67.60 $99.70 $163.90
70 $78.10 $115.45 $190.15
75 $89.29 $132.24 $218.13
80 $101.35 $150.32 $248.26
85 $114.44 $169.97 $281.01

★ Age 65 row highlighted as most commonly quoted.  ·  Preferred Plan tobacco rates. Tobacco use raises premiums ~41% vs non-tobacco. Consider quitting before applying.  ·  Tobacco surcharge included in all shown rates.  ·  All rates per month via EFT. Card/quarterly modes include a surcharge — see full quote for all modes.

What Affects Your Rate

4 Key Factors That Determine Your Premium

Burial insurance rates aren't one-size-fits-all. Here's what underwriters look at when calculating your monthly premium.

🎂

Age at Application

The single biggest factor. The younger you are when you apply, the lower your rate — and that rate is locked in for life. Waiting 5 years can mean paying 20–30% more every month.

⚥

Gender

Women consistently pay less for burial insurance than men at the same age. This reflects longer average life expectancy data used by insurance carriers.

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Tobacco Use

Smokers and tobacco users pay roughly 35–40% more than non-tobacco users. If you quit for 12+ months before applying, you can often qualify for the lower non-tobacco rate.

💊

Health Classification

Preferred (no/minor health issues) gets the lowest rates. Modified (some conditions like COPD, diabetes with complications) pays more but still gets insured. Most common conditions still qualify.

Common Questions

Frequently Asked Questions

Real answers — not marketing language.

Burial insurance costs range from roughly $20–$65/month for a $10,000 policy for a healthy 65-year-old, depending on gender, age, health, and tobacco use. A healthy 65-year-old female non-smoker can expect around $72/month for $15,000 of coverage; a male around $102/month. Rates increase with age, tobacco use, and health conditions.
Premiums increase with age at application — but once your policy is issued, your premium is locked in and will never increase. This is why it pays to apply sooner rather than later. Waiting even a few years can mean significantly higher premiums that you pay for the rest of your life.
Preferred plans offer full coverage from day one at the lowest rates. Modified plans charge higher premiums due to health conditions but still provide eventual full coverage — years 1–2 return premiums plus 10% interest; full benefit starts year 3. Both are issued with no medical exam required. Conditions like controlled diabetes, well-managed hypertension, or a past heart attack (2+ years ago) typically result in Modified rather than declined.
Yes — tobacco users pay roughly 37–39% more than non-tobacco users on the Security National Life Loyalty Plan. If you quit tobacco for 12+ months before applying, you may qualify for the lower non-tobacco rate. Some policies also have a return of premium benefit if you quit and maintain a tobacco-free status.
Most likely, yes. The SNL Loyalty Plan does not require a medical exam, and many common health conditions — high blood pressure, controlled diabetes, asthma, past heart attack (2+ years ago) — still qualify at Preferred or Modified rates. Only a few serious conditions (like current cancer treatment, ALS, dialysis) result in a decline. A licensed agent can help you understand your likely classification before you apply — no pressure.

Get Your Exact Personalized Quote

These tables show Preferred rates — your actual rate depends on your health. Enter your info and see what you'll actually pay in under 2 minutes.

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