Burial Insurance for Seniors Over 80
Jason Stolz CLTC, CRPC
Burial insurance for seniors over 80 provides lifetime protection to ensure your loved ones are not left with funeral expenses, medical bills, or small debts after you pass away. Even at age 80 and beyond, it is still possible to secure coverage—with many carriers offering plans specifically designed for applicants in their 80s, including options with no medical exam or health questions.
At Diversified Insurance Brokers, we work with top final expense companies that accept seniors up to age 85. We help you compare guaranteed issue policies, simplified issue plans, and budget-friendly options so you can choose the right coverage for your family. Whether you’ve been declined before or are applying for the first time, we can help you secure a plan that fits your situation.
Compare Burial Insurance for Seniors Over 80
Use the final expense calculator below to compare real-time senior burial insurance rates.
Can Seniors Over 80 Still Get Burial Insurance?
Yes—many seniors are surprised to learn that burial insurance is still available well into their 80s. While options narrow after age 80, several carriers accept new applicants between ages 81 and 85. These plans include:
- Guaranteed Issue Burial Insurance – No health questions, no medical exam, acceptance guaranteed
- Simplified Issue Burial Insurance – Basic health questions, no exam, broader coverage options
- Accidental Death Riders – Optional extra benefit if death is due to an accident
If you want coverage without underwriting barriers, guaranteed issue policies remain the most accessible choice. These generally have a 2-year waiting period for natural causes but pay full benefits for accidental death from day one.
Coverage Amounts for Seniors Over 80
Most carriers offer benefit amounts ranging from $5,000 to $20,000 for applicants age 80 and above. Some offer higher limits for exceptionally healthy applicants. When choosing coverage, consider:
- Funeral and burial or cremation expenses
- Unpaid medical bills (common at advanced ages)
- Small remaining debts or credit card balances
- Leaving a small gift for children or grandchildren
For cost estimates, review our age-specific guides such as Burial Insurance for Seniors Over 70 and health-based guides like Life Insurance With Pre-Existing Conditions.
Premiums for Seniors Over 80
Premiums increase with age, but the policies remain affordable because burial insurance is designed for small coverage amounts. Your premium will depend on:
- Age (80 to 85)
- Gender
- Tobacco use
- Health (if applying for simplified issue)
- Coverage amount
Guaranteed issue plans cost more but allow anyone to qualify regardless of health. If you’ve been declined before or have chronic conditions, they may be the best option.
Burial Insurance Calculator for Seniors Over 80
Use our instant final expense calculator to compare burial insurance quotes for applicants in their 80s:
Guaranteed Issue vs. Simplified Issue for Seniors 80+
Guaranteed Issue
- No medical exam
- No health questions
- Accepted regardless of health
- 2-year waiting period for natural causes
Simplified Issue
- No exam, but includes health questions
- Lower premiums than guaranteed issue
- Some conditions may still qualify for day-one coverage
For many seniors over 80, guaranteed issue is the most accessible route, especially when managing conditions like diabetes, COPD, or cardiac history. Similar guidance can also be found in plans for smokers and coverage for overweight applicants.
How to Choose the Best Plan at Age 80+
When selecting a policy, consider:
- Does the plan offer guaranteed acceptance?
- Does it fit comfortably within your monthly budget?
- How strong is the carrier financially?
- How fast does the policy pay claims?
- Is there a waiting period?
We help you understand each option so your family isn’t left with unexpected bills. Our advisors also compare plans with alternatives like life insurance for seniors and final expense planning tools.
How Diversified Insurance Brokers Helps Seniors Over 80
We help seniors and their families by:
- Comparing burial insurance rates across multiple carriers
- Finding guaranteed issue coverage when health is a concern
- Identifying the most budget-friendly options available at age 80+
- Providing side-by-side comparisons in minutes
You’ll receive clear information and a straightforward recommendation—always based on your needs and goals.
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FAQs: Burial Insurance for Seniors Over 80
Can seniors over 80 still qualify for burial insurance?
Yes. Many insurance companies accept new applicants ages 80–85 through simplified issue or guaranteed issue policies. These plans require no medical exam and may include no health questions.
What type of burial insurance is best for someone over 80?
Most seniors over 80 choose guaranteed issue burial insurance because it accepts all health conditions. If you are relatively healthy, simplified issue policies may offer lower premiums.
Will my premiums increase as I get older?
No. Once issued, burial insurance premiums stay level for life and do not increase due to age or health changes.
How much burial insurance can someone over 80 get?
Coverage amounts typically range from $5,000 to $20,000 depending on the carrier. Some offer higher limits for healthier applicants.
Do guaranteed issue policies have a waiting period?
Yes. Most guaranteed issue policies have a two-year waiting period for natural causes of death. Accidental death is covered immediately.
Can I get coverage if I’ve been declined before?
Yes. Guaranteed issue burial insurance accepts everyone regardless of medical history, making it a strong option after a previous decline.
About the Author:
Jason Stolz, CLTC, CRPC, is a senior insurance and retirement professional with more than two decades of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient.
