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Affordable burial insurance

Compare plans starting as Low as $20/Month. Give your family the gift of financial security.

✅ Budget-Friendly – affordable burial insurance for seniors on a fixed income.
✅ Guaranteed Rates – Once you’re covered, your premium stays the same forever.
✅ Instant Peace of Mind – Protect your family from the burden of final costs.
✅ Cash Value – Policies build cash value over time, which you may borrow against.
✅ Money-Back Guarantee – 100% refund if cancelled within 30 days.

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Overall Score
5.00 / 5
★★★★★

$10K Policy Cost$41.01/mo*

New Applicant Ages45-85

Death Benefit$2K-$50K

2-Year WaitNo

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Overall Score
5.00 / 5
★★★★★

$10K Policy Cost$43.38/mo*

New Applicant Ages50-85

Death Benefit$5K-$35K

2-Year WaitNo

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Overall Score
5.00 / 5
★★★★★

$10K Policy Cost$44.79/mo*

New Applicant Ages50-80

Death Benefit$5K-$30K

2-Year WaitNo

See Prices

Guaranteed acceptance highlights

No medical examNo health questions required

Locked-in premium rateRate won’t increase

Flexible payment optionsBudget confidently with choices that fit you

Coverage can’t be cancelledAs long as you pay your premiums

Simple, predictable protection designed for peace of mind.

Learn about guaranteed acceptance coverage >
Gender
Smoker/Tobacco
Gender
Smoker/Tobacco

✔ Coverage never expires
✔ Licensed agents available
✔ No spam / No obligation

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  • 💰 Full Flexibility – Use the money for any purpose, with no restrictions.
  • ⚡ Fast – Simplified issue whole life insurance application with fast approvals.
  • 🛡️ Permanent Protection – Your coverage never expires and rates never rise.
  • 🌎 30-Day Trial – Full money-back guarantee if you aren’t satisfied.
  • 🔒 Protect Your Legacy – Give your family the gift of financial security.

No-waiting-period burial insurance covers both natural and accidental deaths from the very first day. This means your family gets the full payout immediately, even if you’ve only had the policy for 24 hours. There is no medical exam—you just have to answer a few basic health questions.

No Medical Exam Life Insurance (Simplified Issue Whole Life)
This is a burial policy that skips the medical exam. You just answer a few health questions to qualify. It’s often the best value for people with minor health issues, offering lower monthly costs, higher coverage amounts, and immediate (day-one) protection.

Guaranteed Issue Life Insurance
There are no health questions or exams—you are guaranteed to be accepted if you’re between ages 50 and 80. These plans have a 2-year waiting period. If you die from natural causes during this time, your family gets back your premiums plus 10% interest. Accidental death is covered starting on day one.

Mutual of Omaha provides competitive rates and immediate coverage for relatively healthy seniors through age 85. Alternatively, for seniors up to age 90 with significant health concerns, the Guarantee Trust Life (GTL) Heritage Plan is an excellent choice for burial insurance.
Mutual of Omaha typically has the best rates for smokers ages 45 to 85. On their preferred plans, premiums are highly competitive—and on graded plans, smokers pay the exact same price as non-smokers.
Use an independent insurance broker to compare multiple carriers like Mutual of Omaha or Foresters Financial to find the best rate.
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📞 Or Call us (800) 448-8197