One of the most common reasons people contact us is to find burial insurance for a parent — often a mother or father who never thought to get coverage themselves, or who has reached an age where they are no longer comfortable navigating the process alone.
The good news is that adult children can help their parents get covered. In most cases, the parent is the insured — meaning coverage is based on their age and health — and an adult child can be named as the policy owner and/or beneficiary.
Coverage is typically available for parents aged 50 to 85, and most plans do not require a medical exam.
Plan Types Available
Level Benefit
Full death benefit coverage from day one. Best for applicants in reasonably good health. Requires a short health questionnaire — no medical exam.
Graded Benefit
For applicants with some health concerns who may not qualify for a level plan. Full death benefit becomes payable after a 2-year waiting period.
Guaranteed Issue
No health questions whatsoever. Available to almost anyone ages 50–80. Best option for those with serious health conditions who may not qualify elsewhere.
How to Get Burial Insurance for a Parent
To get burial insurance for a parent, the parent's age and health history determine which plan types are available and what the monthly premium will be. The parent must consent to the coverage and typically signs or acknowledges the application.
An adult child can be the policy owner, pay the premiums, and be named as the beneficiary — so the death benefit is paid directly to them when the parent passes away, to use for funeral costs and expenses.
A licensed agent can walk you and your parent through the options available based on the parent's age and health — with no pressure and no obligation to purchase.
Monthly Cost Ranges — $10,000 Policy
The table below shows typical monthly premium ranges by age and gender. Actual rates depend on your health history, coverage amount, and carrier.
| Age | Female / Month | Male / Month | Plan Type |
|---|---|---|---|
| Age 50 | $18 – $28 | $22 – $35 | Level Benefit |
| Age 55 | $22 – $34 | $27 – $42 | Level Benefit |
| Age 60 | $28 – $44 | $35 – $55 | Level Benefit |
| Age 65 | $35 – $56 | $46 – $70 | Level / Graded |
| Age 70 | $44 – $70 | $55 – $90 | Level / Graded |
| Age 75 | $65 – $105 | $85 – $135 | Graded / Guaranteed |
| Age 80 | $90 – $140 | $120 – $185 | Graded / Guaranteed |
Estimates for a $10,000 policy. See the full cost breakdown →
Want Your Actual Rate?
A licensed agent can review your specific situation and walk you through the options available — at no charge and with no obligation to purchase.
Check What I Qualify ForA licensed insurance agent may contact you. No obligation to purchase.
Frequently Asked Questions
Can I get burial insurance without a medical exam?
What is the age limit for burial insurance?
What is the difference between burial insurance and final expense insurance?
Does my premium increase over time?
Who will contact me after I submit my information?
Can I get burial insurance for a parent without their knowledge?
What if my parent has serious health conditions?
Find Options in Your State
Compare burial insurance options in your area.
Related Resources
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Check If I QualifyA licensed insurance agent may contact you. BestSeniorInsurance.com is a comparison and lead generation site, not an insurance carrier.