Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Sep 28, 2021

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The Facts of Life
  • Most companies that provide funeral expense coverage do not require applicants to take a medical exam
  • Most companies that cover funeral expenses will not turn away applicants who are in poor health
  • The average cost of a funeral runs over $7,000

When you pass away, those you leave behind will be stricken with loss, but you can take steps in the present to help lessen the burdens that fall on loved ones like facing the often unexpected costs of a burial.

With final expense insurance, you can make sure you have the funds available to cover the costs of cremation, a burial, or a funeral so your loved ones do not have to struggle to provide you with a proper send-off.

Luckily, you can find plenty of affordable life insurance companies that cover funeral expenses and compare life insurance quotes online.

Enter your ZIP code to get free life insurance quotes from life insurance companies that cover funeral expenses and discover which one is the best for you.

Where can I buy final expense insurance?

If you would rather not buy life insurance from life insurance companies that don’t cover funeral expenses, there are quite a few excellent companies that offer final expense insurance. Just take a look here:

  • AARP
  • Gerber Life Insurance
  • Foresters Financial
  • Globe Life
  • Mutual of Omaha
  • Colonial Penn
  • AAA Life Insurance Company
  • Fidelity Life

While each of these companies is reliable and can help you with your final expenses, each one also has a different selling point.

It’s in your best interest to learn about companies you’re interested in and compare at least three different quotes so you know you’re getting the best policy for your needs.


AARP has an A++ rating with A.M. Best and allows you to purchase as much as $25,000 in burial insurance without having to undergo a medical exam.

Not only that, but AARP promises guaranteed rates. This means that you will not see an increase in your rates as long as your policy remains active.

Even more exciting is that if you live to be 95 years old, you won’t have to make more payments, but you will retain your coverage for the rest of your life.

Unfortunately, if you live in Montana, Missouri, or Minnesota, you cannot take advantage of AARP final expense insurance, but if you don’t live in those states, applying for this policy is quite simple. You can fill out a form online to receive a free quote.

Pricing for different individuals will vary, but to give you an idea of the rates offered by AARP, here is a sample quote: A 50-year-old female would pay about $106 per month for $25,000 in coverage, and a 75-year-old male would pay close to $237 per month for the same amount of coverage.

Gerber Life Insurance

That smiling baby face may be the last thing that comes to mind when you think of “final expense policies,” but Gerber Life Insurance also has whole life burial policies available for anyone who falls between the ages of 50 and 80.

This company is rated A+ by A.M Best and doesn’t require applicants to fill out a long questionnaire or even partake in a medical exam. You can apply online and choose the right amount of coverage for you, whether that’s as little as $5,000 or as much as $25,000.

Life insurance rates of life insurance companies that cover funeral expenses are nothing to sneeze at either. For example, if a 50-year-old female wanted $25,000 in coverage, that would only cost $84.79 a month.

Foresters Financial

The PlanRight whole life insurance policy from Foresters Financial, rated A by A.M. Best, is designed to cover the costs of burial and other final expenses.

But that’s not all Foresters has to offer. For no additional cost, you can add three rides to your policy. These riders include:

  • An accelerated death benefit for terminal illness
  • A common carrier accidental death rider
  • A family health benefit rider

Unlike its competitors, you cannot go it alone when getting a quote. You will have to contact an agent of the company to work up a burial insurance policy, but it may be well worth it as this company offers very competitive rates.

If a 50-year-old female were to purchase $25,000 in coverage, Foresters could make that available at just $60.40 per month.

Globe Life

Globe Life, rated A by A.M. Best, offers immense flexibility to its applicants. If you think you only need a small amount to help with your final expense, you can obtain as little as $5,000 in coverage.

On the other hand, you can purchase as much as $100,000 in coverage if you want to keep any costs your loved ones may encounter after your passing as minuscule as possible.

You also can purchase burial insurance for both adults and children from Globe Life without having to undergo a medical exam. There’s no waiting period for these policies either.

According to Globe Life, a 50-year-old female can purchase $20,000 in coverage for only $18.85 per month, but of course, you should always request a quote to see how the coverage amount you’ll need will cost.

Mutual of Omaha

If you’re concerned about quality control, you can always look into Mutual of Omaha, a company with an A+ rating from A.M. Best.

The coverage offered by Mutual of Omaha maxes out at $25,000, but if you have quite a bit stowed away in your savings and just want something extra in case of an emergency, you can get as little as $2,000 in coverage.

You can also apply at 45 years old as well, and no applicant faces discrimination based upon their age or their state of health. Mutual of Omaha also has a history of reacting quickly to claims and paying them out as quickly as possible.

When it comes to cost, Mutual of Omaha runs in about the middle of the pack. For example, a 50-year-old female would pay about $30 per month for only $10,000 in coverage.

Colonial Penn

Colonial Penn has been in business since 1968 and has an A.M. Best rating of A-. Applicants must at least be of 50 years of age, but no one is ever turned away due to their health and rates can be paid on a timeline that works best for you.

Instead of just paying your bill every month or once a year, you can pay it quarterly or even semi-annually. On top of that, you can request a free quote online and won’t be subject to a medical exam when you apply for Colonial Penn burial insurance.

Compared to other companies in the industry, Colonial Penn offers much lower coverage amounts. For instance, a 50-year-old female could only get $16,444 in coverage for $79.60 per month.

AAA Life Insurance Company

If you are within the 45 to 85 age range, you can apply for burial insurance coverage with AAA Life, a company with an A rating from A.M. Best.

No medical exam is required by this company and if you live to be 100 years old, you will not have to make any more payments toward your policy, but will still retain coverage.

AAA Life has coverage options that extend up to $25,000, and a 50-year-old could secure such an amount of coverage for $89 per month.

Fidelity Life

You can apply online to purchase between $5,000 and $35,000 in final expense coverage from Fidelity Life if you are at least 50 years old and no older than 85. Again, no medical exam is required.

As long as you pay your bill on time, your policy will never expire. But how much does a policy with Fidelity Life cost? a 50-year-old woman could pay $32.29 per month for $10,000 in coverage.

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How to Find the Best Life Insurance Company That Covers Funeral Expense

When it comes to finding the best company that provides final expense insurance, you have plenty of excellent options.

Since most of the highlighted insurance companies allow you to procure free quotes online, you can easily compare a variety of coverage amounts, and use other free resources like company reviews to make the best decision for your needs.

Final expense insurance can relieve your loved ones of an extra burden after you pass away.

Why is final expense insurance important?

According to the National Funeral Director’s Association, the average cost of a burial is over $7,000.

If you were to pass away unexpectedly and didn’t have funds set aside for your burial, your loved ones would not only have to process your death, but they would also be responsible for this substantial payment. This is where final expense burial insurance comes into play.

Final expense insurance offers you a cost-effective way to cover the costs of your funeral service and any debts you leave behind.

With this coverage, you can rest easy knowing your loved ones won’t have to dip into their own savings or start a fundraiser to provide you with a proper burial.

If you can’t get final expense insurance through your current life insurance company, life insurance companies that cover funeral expenses can help prepare for the future.

Enter your ZIP code to start comparing free quotes from life insurance companies that cover funeral expenses today.