Best Burial Insurance Companies in 2025 | Costs, Coverage & Expert Guide

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Planning for end-of-life costs isn’t something most people enjoy thinking about, but it’s one of the most caring decisions you can make for your family. In 2025, the price of funerals, cremations, medical bills, and other final expenses continues to rise—often catching families off guard at the worst possible moment. That’s where burial insurance steps in. It provides simple, affordable protection designed to lift the financial burden from your loved ones.


But choosing the right company? That part can feel overwhelming. Every insurer makes big promises, pricing varies widely, and your age or health can significantly affect which companies will even approve you.

This guide cuts through the noise. Below, you’ll find a clear breakdown of the best burial insurance companies in 2025, how much policies typically cost, and what you should look for before choosing one. Whether you're in excellent health or you’ve been declined before, there’s a policy out there for you—and this article will help you find it.

What Exactly Is Burial Insurance?

Burial insurance, often called final expense insurance, is a small whole life insurance policy designed to cover funeral costs and other end-of-life bills. Unlike term life insurance, these policies don’t expire as long as you pay the premium. Coverage amounts are typically modest—usually between $5,000 and $50,000—which makes them more affordable and easier to qualify for.

In 2025, the average funeral costs fall between $8,000 and $13,000. Add medical bills or unpaid debts, and families can easily face a $15,000–$20,000 financial burden.

Burial insurance provides the peace of mind that when the time comes, your family won't struggle to cover these expenses.

Best Burial Insurance Companies in 2025

Below is the updated list of top providers based on affordability, approval ease, company reputation, and policy flexibility.

1. Mutual of Omaha

Mutual of Omaha continues to dominate the burial insurance space in 2025—and for good reason. Their “Living Promise” policy is known for its excellent pricing, even for seniors with common health issues. Approval is quick, and applicants can qualify without taking a medical exam.

This company stands out because it consistently offers some of the lowest premiums for healthy seniors. You also get access to a reliable customer service team and fast claims processing. Coverage is available up to age 85, making it accessible for older applicants who want dependable protection.

2. Aetna (CVS Health)

Aetna’s burial insurance policies have become a favorite for people with health conditions that sometimes cause other insurers to decline applications. Conditions like high blood pressure, diabetes, and controlled heart issues are often accepted at strong rates.

Aetna offers several policy tiers—Level, Graded, and Modified—giving applicants more chances to find an option that fits their age and health. For seniors who don’t want to jump through underwriting hoops, Aetna is a strong contender.

3. American Amicable

American Amicable is known for flexibility. With a variety of burial insurance products and optional riders, customers can build a plan that fits both their budget and family needs. Many applications receive same-day approval.

This insurer is especially attractive for individuals in their 60s and 70s who want customizable policy features, such as accidental death benefits. The company maintains an excellent reputation for its customer care and claims processing.

4. Transamerica

If you’re in your 50s or early 60s, Transamerica might be your most cost-effective option. The company offers some of the lowest rates for younger seniors, and applicants who lock in a policy earlier benefit from long-term affordability.

Transamerica’s underwriting can be stricter than some competitors, but healthy applicants receive significant pricing advantages. For those who qualify, the company’s financial stability and quick claims process make this a reliable choice.

5. AIG Guaranteed Issue

AIG is one of the strongest options for individuals who need guaranteed approval burial insurance—meaning no health questions and no medical exams. If you’ve been turned down by other insurers or have significant health challenges, AIG is a safe fallback.

Coverage ranges from $5,000 to $25,000, and applicants aged 50–80 are eligible. Like most guaranteed-issue plans, AIG includes a two-year waiting period before natural-cause death benefits are fully payable. However, accidental deaths are covered immediately.

6. Gerber Life Insurance

Gerber Life offers a straightforward guaranteed-issue burial insurance policy that’s extremely easy to qualify for. With no health questions and no medical exams, this plan appeals to seniors who want simple, predictable coverage.

Although Gerber Life’s premiums may be slightly higher than some competitors, the company’s reputation for excellent customer service and smooth claims handling makes it a strong pick—especially for applicants aged 50–70 who want guaranteed acceptance.

How Much Does Burial Insurance Cost in 2025?

Burial insurance remains one of the most affordable forms of life insurance, especially for seniors. Monthly premiums for a $10,000 policy generally range from $25 to $90, depending on:

Healthier applicants and younger seniors will naturally pay less. Women typically enjoy lower premiums due to longer life expectancy. Smokers and individuals with chronic health conditions will see higher rates.

But here’s the good news: even with health issues, many insurers still offer competitive pricing—especially Aetna, Mutual of Omaha, and American Amicable.

How to Choose the Right Burial Insurance Company

Picking the best burial insurance isn’t only about price; it’s about long-term reliability and peace of mind. Here’s what matters most:

1. Your health condition
Different companies treat conditions differently. Aetna might approve something Transamerica won’t. Always match your health profile with the right insurer.

2. Financial strength
Because burial insurance is lifelong coverage, you want a company that will still be here decades from now.

3. Approval process
Some companies issue near-instant approvals. Others take days. If you want coverage quickly, choose a provider known for fast processing.

4. Policy features
Cash value growth, riders, and accelerated benefits can add meaningful value over time.

When you match your needs with the right provider, burial insurance becomes a powerful tool for protecting your family from financial stress during an already difficult time.

Final Thoughts

Burial insurance remains one of the most accessible and affordable life insurance options for seniors in 2025. Whether you're in great health or dealing with complex medical challenges, there is a policy designed to meet your needs.

If you want excellent rates and strong customer service, Mutual of Omaha and Transamerica are top choices. Need more flexible underwriting? Aetna and American Amicable are excellent options. Looking for guaranteed approval? AIG and Gerber Life provide dependable solutions.

No matter which path you choose, the most important step is securing coverage that relieves your loved ones of financial stress later on. A small monthly premium today can save your family from a large financial burden in the future—and that peace of mind is priceless.

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