Best Rated Burial Insurance Companies in the U.S.
Over 100 Carriers to Quote From. Here are a few of them!
Looking for the best rated burial insurance companies in the U.S.? At Diversified Insurance Brokers, we help families compare final expense (burial) policies across 100+ top-rated carriers so you can cover funeral costs, medical bills, and small debts without overpaying. Because every insurer views health history differently, working with an independent brokerage makes it easier to match your age, budget, and medical profile to the right company.
Compare Top-Rated Burial Insurance Carriers
Get instant quotes, then we’ll help you choose the best value for your health and budget.
Burial Insurance Calculator
Top Burial Insurance Companies (Who Stands Out)
Many carriers sell final expense coverage, but a subset consistently shines for pricing, predictable underwriting, and strong financials. Below are examples of frequently competitive options (availability and niches vary by state and profile):
Mutual of Omaha (final expense whole life)
Widely regarded for stability and straightforward underwriting with immediate coverage available for many applicants. Often among the most competitive for standard senior profiles.
Transamerica (simplified issue options)
Known for affordable premiums and flexible acceptance criteria. A solid choice when you want a balance of pricing and approval odds.
Royal Neighbors of America (lenient underwriting)
One of the better choices for applicants with moderate health concerns who still want quick, simplified approvals and fast issue times.
Oxford Life (competitive premiums)
Strong value on level benefits with an emphasis on reliability and predictable pricing for seniors.
United Home Life (no-nonsense acceptance)
Simplified issue with minimal hassle. Good fit for applicants who want clarity and speed without a medical exam.
Corebridge (guaranteed issue whole life)
Ideal when health history makes simplified issue difficult. While premiums are higher for guaranteed acceptance, it ensures a pathway to coverage.
How to Compare Burial Insurance Carriers (What Matters Most)
Best rated burial insurance companies—what to look for
- Underwriting tolerance: Some carriers are friendlier toward conditions like diabetes, COPD, or cardiac history. We pre-screen to avoid surprises.
- Immediate vs. graded benefits: Healthier applicants often qualify for day-one coverage; others may need a graded period. We aim for immediate coverage when possible.
- Price stability: Premiums are level for life, but starting cost varies by carrier. We benchmark multiple companies to eliminate overpaying.
- Issue ages and face amounts: Many carriers issue from 50–85 and offer $5,000–$25,000 (or more) in coverage—enough to cover funeral and final expenses.
- Financial ratings: We prefer carriers with strong histories and ratings for long-term claims-paying ability.
Best Fit by Common Health Situations
Because underwriting niches vary, pairing your profile with the right carrier increases the chance of immediate coverage and a lower premium.
- Controlled diabetes or hypertension: Several carriers price competitively if A1C and prescriptions are stable.
- Cardiac history (MI, stent, bypass): Depending on time since event and follow-up care, day-one coverage may still be possible.
- Respiratory issues (e.g., COPD): Some carriers are more accommodating, especially at lower face amounts.
- Recent declines elsewhere: Consider guaranteed issue whole life to lock in protection while we revisit simplified options later.
If you’re unsure where you’ll qualify, try our calculator above, then we’ll run a soft pre-screen to match you with the most favorable underwriting guide.
How Much Burial Insurance Do Seniors Typically Buy?
Most families choose $5,000–$20,000 of coverage to handle funeral costs, medical bills, and small debts. If you want the lowest possible premium, we can quote a modest face amount first, then revisit increases later as budget allows. For cost-sensitive shoppers, see our guide to affordable burial insurance for low-income seniors.
Helpful Guides and Related Resources
Want help choosing the right company?
We’ll compare pricing, underwriting niches, and issue ages to pinpoint your best value.
FAQs: Best Rated Burial Insurance Companies
Which burial insurance company is best for seniors?
It depends on health history, age, state, and budget. Some carriers price better for diabetes; others favor cardiac histories. We compare multiple well-rated companies to find your most affordable, day-one coverage when possible.
How much burial insurance coverage should I buy?
Most families choose $5,000–$20,000 to cover funeral costs and last expenses. We’ll size benefits to your budget so you don’t over-insure.
Can I qualify with health issues?
Often yes. Simplified issue asks health questions but no exam. If you can’t qualify, guaranteed issue offers acceptance with a graded period. We target immediate coverage when your profile allows.
Do premiums ever increase or expire?
Final expense whole life typically has level premiums that never increase and coverage that lasts for life as long as payments are made on time.
How fast can coverage start?
Many simplified applications are approved within minutes to a few days. Guaranteed-issue approvals are often immediate after basic eligibility checks.
Find the Best Burial Insurance for You
We compare top-rated carriers to secure dependable coverage within your monthly budget.
