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

UPDATED: May 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Facts of Life

  • Among a few other products, Great Western offers pre-need and final expense life insurance
  • Great Western’s $25,000 final expense and burial life insurance for a 40-year-old woman has an average rate of $96.67 per month
  • Great Western Life Insurance Company has an “A” (Excellent) A.M. Best rating

Finding the life insurance plan that will work best for you can be tricky. Because there are so many insurance companies and policies to choose from, it’s not easy to reduce your options down to the best insurance life companies.

Great Western Life Insurance offers multiple life insurance coverage options across the United States for seniors pre-planning to cover funeral and end-of-life expenses.

Read on to learn more about Great Western life insurance. Enter your ZIP code into our free online tool to compare rates from the top companies in your area.

What is Great Western, and what products does it offer?

Great Western Insurance Company is a Utah-based pre-need life insurance company. Some of the products offered by Great Western include:

  • Final expense insurance
  • Pre-need funeral insurance
  • Group annuities

Each of Great Western’s policies is designed to provide ease and comfort during a difficult time. These are examples of senior life insurance, which might consist of term, whole, universal, or other policies.

On its website, Great Western informs visitors of the differences in policies by state. With different states having differing insurance requirements, some of Great Western’s policies vary considerably. To learn about coverage offered in your state by Great Western, check the website.

It’s important to note that Great Western Life Insurance Company has no affiliation with the Great Western Bank, based in South Dakota.

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How much are Great Western’s life insurance rates?

An excellent way to compare your top life insurance company choices is to look at each company’s sample rates. While everyone wants lower rates, sometimes higher rates indicate better coverage. Affordable Great Western life insurance may be available to you, but you should always compare.

Because Great Western exclusively sells pre-need or final expense insurance, we have included some sample Great Western final expense and burial insurance rates in the table below.

Great Western Burial & Final Expense Life Insurance Sample $25,000 Average Monthly Rates by Age
AgeMale Average Monthly RatesFemale Average Monthly Rates
40$119.58$96.67
45$134.17$111.25
50$144.58$119.58
55$157.08$136.25
60$184.17$161.25
65$225.83$196.67
70$294.58$250.83
75$392.50$342.50
80$565.41$471.66
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When looking at these Great Western life insurance quotes, please keep in mind that every life insurance company has a different underwriting process and your rates will depend on your unique health history, current habits, age, and more.

The Insurance Information Institute even lists taking care of your health as an essential factor in reducing your life insurance rates. Naturally, people in good health are viewed as less of a risk by life insurance companies, so their rates are set significantly lower than those of people in poor health.

How does Great Western rate financially?

Outside of comparing Great Western life insurance rates, another crucial aspect to pay attention to is the company’s financial stability. Well-known rating services, such as A.M. Best, focus solely on providing accurate financial ratings for a wide range of insurance companies.

Great Western Life Insurance Company currently has an A.M. Best rating of “A” (Excellent), which means that it has exemplary financial stability compared with other companies.

When considering life insurers, it also helps to look at a company’s complaint index to see how often customers are having problems. A higher complaint index score may signify some issues within the company.

According to the National Association of Insurance Commissioners (NAIC) National Complaint Index Report in 2020, Great Western Life Insurance Company had three complaints, and its complaint index was 0.80. Any score below one is good, so there are no major customer service concerns here.

Great Western: Contact Info

Should you need to contact Great Western Life Insurance Company, you can do so in the following ways:

  • Email: Pre-need: [email protected]
  • Final expense: [email protected]
  • Pre-need agent care: [email protected]
  • Final expense agent care: [email protected]
  • Phone: Pre-need customer care center: 800-995-9010
  • Final expense customer care center: 800-733-5454
  • Final expense agent care: 866-252-5594, option 2
  • Pre-need agent care: 866-689-1404
  • Fax: Claims: 801-675-4685
  • Customer service: 515-247-2435
  • Agent care: 801-689-1394
  • New business: 515-247-2500
  • Final Expense: 402-496-8199
  • Postal mail
  • Company website

Great Western’s mailing addresses are:

General mailing address:

P.O. Box 14410

Des Moines, IA 50306-3410

Mailing address (overnight deliveries only):

Great Western Insurance Company

1851 Miehe Drive

Grimes, IA 50111-6627

If you need to speak with an agent on the phone, Great Western’s business hours are Monday through Friday, 7:30 a.m. to 5 p.m. (C.T.). You may also apply for life insurance with Great Western through the company’s website.

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What is Great Western’s history?

Great Western was founded in 1983 by John E. Lindquist, owner of a five-generational mortuary and cemetery business. From the beginning, Great Western specialized in the funeral profession, life insurance, and pre-arranged funeral plans.

Great Western Life Insurance Company is proud to provide large-company coverage and resources paired with small-company service. The company is licensed in 46 states as well as the District of Columbia.

Great Western: The Bottom Line

With an extensive background in the funeral home business, Great Western is well-equipped to take care of your loved ones’ financial futures. It offers a variety of pre-need and final expense life insurance products.

Great Western has a great A.M. Best rating of “A” (Excellent) and a lower NAIC complaint index of 0.80, ensuring the company’s financial stability and customer service can be counted on.

Although Great Western is very reputable, we recommend comparing it with other life insurance companies and discussing your options with an agent before deciding.

Take some time to consider what you’ve learned and to decide if you want to buy Great Western life insurance. Enter your ZIP code into our free online tool for instant life insurance rates from companies in your area.