Approximately 15.2% of California's population is aged 65 or older, and with average funeral costs now exceeding $9,800, many families are looking for affordable ways to plan ahead.
Burial insurance — also called final expense insurance — is a type of whole life policy designed specifically for seniors. Policies are available from $5,000 to $25,000 and premiums are locked in at the age you apply. Most plans available in California do not require a medical exam.
Plan Types Available in California
There are three main types of burial insurance available to California seniors. The right option depends on your age and health history.
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 Much Does Burial Insurance Cost in California?
Premiums in California follow national carrier pricing. The table below shows typical monthly ranges for a $10,000 policy.
| 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 only. Actual premiums vary by health history, coverage amount, and carrier. A licensed agent can give you an accurate figure.
Want Your Exact Rate in California?
A licensed California agent will review your options and give you accurate figures — at no cost and no obligation.
Compare Options in MinutesA licensed insurance agent may contact you. No obligation to purchase.
How to Get Covered in California — 3 Steps
Answer a Few Quick Questions
Share your age, the coverage amount you need, and a few basic details. No medical exam. Takes about 2 minutes.
A Licensed Agent Reviews Your Options
A licensed California insurance agent will reach out to walk you through the plans you qualify for — costs, plan types, and waiting periods — clearly and without pressure.
Choose What Works for You
If you decide to move forward, coverage can begin quickly. You are never required to purchase anything.
Compare Burial Insurance by City in California
Select your city below for local information and cost ranges.
Related Coverage Options
Frequently Asked Questions — California
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?
Ready to See What's Available in California?
Check what burial insurance options are available for your age and situation — no commitment, no pressure.
Check If I QualifyA licensed insurance agent may contact you. BestSeniorInsurance.com is a comparison and lead generation site, not an insurance carrier.