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Get Final Expense Insurance at Age 80 Before It’s Too Late!

Final Expense Insurance 80

Final Expense Insurance at 80 is nothing anyone wants to think about. But it is something immensely important to have in place. We all will eventually pass. Do we want our family and loved ones burdened financially when that day comes? Of course, we don’t.

So, at 80 years old, you are on the cusp of getting affordable final expense insurance rates. If you wait one more year, the rates go up significantly. It’s time to lock in a rate that will never increase, no matter what your age is. Our hope is that you live to 100 years or more, but if you pass sooner than that, know that you have given control to your beneficiary, who will handle the financial components of your burial or cremation.

You are Better Off Not to Wait to Purchase Final Expense Insurance After 80.

Rates will increase. Take for example a sample rate for an 80 year old Male looking for $15,000 in coverage vs. an 81 year old Male in desire of the same coverage. The 80 year old will pay about $197.38 per month, locked in. The 81 year old will pay about $212.89. The difference is $15.51 per month which translates into 186.12 per year. Maybe that doesn’t seem like much, but think of what you could do with that extra money. And that’s just one year. Extrapolate that out over a decade, and you could be looking at a beautiful family vacation!

Many insurance companies won’t even accept seniors over 80. And if so, they will most likely require a 2 year waiting period or a full health exam for those 81-85.

At Insurance for Final Expense we work with only the best…

Mutual of Omaha Final Expense Insurance After 80

  • New Applicant Age Availability: 45-85
  • State Availability: All States Except NY
  • 80+ Face Amount Limits: $2,000-$40,000
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

Mutual of Omaha final expense life insurance is the least expensive company for seniors over 80. If do qualify for their plan, act fast! You won’t find a better deal anywhere else!

Caution: Don’t call Mutual of Omaha directly. They will have a different policy. It will be more costly and will have a two year waiting period.

This policy they sell is only sold via agencies such as Insurance for Final Expense.

Royal Neighbors of America Final Expense Insurance After 80

  • New Applicant Age Availability: 50-85
  • State Availability: All States Except AK, AL, HA, LA, MA, NH, NY
  • 80+ Face Amount Limits: $5,000-$25,000
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

Royal Neighbors of America has been in business for over 130 years. They have an amazing track record as an absolutely reputable insurance company. They are a great provider of final expense for seniors at age 80. They also have very relaxed underwriting for burial insurance. 

Aetna Final Expense Insurance After 80

  • New Applicant Age Availability: 45-89
  • State Availability: All States Except AK, CA, CT, HI, MD, ME, DC, NY, VT, & WA
  • 80+ Face Amount Limits: $3,000-$25,000 ($10k Max above 85)
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

Aetna offers excellent underwriting that accepts many different health issues. In addition, their policy has competitive pricing for this age bracket.

They are especially rare because they insure seniors over 85.

Transamerica Final Expense Insurance After 80

  • New Applicant Age Availability: 45-85
  • State Availability: All States
  • 80+ Face Amount Limits: $1,000-$25,000
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

Transamerica is a pretty well known name in the insurance industry given how long they’ve been around.

Their final expense product will accept some very serious health issues that other companies would outright decline.

They aren’t the cheapest but they are fairly close to what other companies charge seniors over 80 for life insurance.

Foresters Financial Final Expense Insurance After 80

  • New Applicant Age Availability: 50-85
  • State Availability: All States
  • 80+ Face Amount Limits: $2,000-$15,000
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

Foresters may not be the 1st name you think of in terms of Final Expense Insurance, however they are financially dependable insurance company.

Their life insurance over 80 accepts many health issues along with being aligned with what other final expense insurance carriers charge. 

American Amicable Final Expense Insurance After 80

  • New Applicant Age Availability: 50-85
  • State Availability: All States Except CT, ME, MT, NH, NY, VT
  • 80+ Face Amount Limits: $2,500-$20,000
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

American Amicable is a great company that blends competitive pricing with lenient underwriting.

Their plan also allows you to add on a few different optional riders for just a few extra dollars.

Americo Final Expense Insurance After 80

  • New Applicant Age Availability: 50-85
  • State Availability: All States Except CT, ME, MT, NH, NY, VT
  • 80+ Face Amount Limits: $3,000-$30,000
  • 2 Year Waiting Period: No (subject to underwriting approval)
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

Americo has some very unique underwriting that allows for many applicants to qualify for immediate coverage where other companies would impose a waiting period. Many of our 80 year old clients like going with Americo for final expense insurance because although their rates are higher than most, it is due to the fact they accept some health issues other carriers do not.

AIG Final Expense Insurance After 80

  • New Applicant Age Availability: 50-85
  • State Availability: All States Except ME, NY, & PA
  • 80+ Face Amount Limits: $2,000-$25,000
  • 2 Year Waiting Period: Yes
  • Apply through a licensed agency such as Insurance for Final Expense. This insurance is not sold direct.

80 Year Old Sample Female Final Expense Insurance Quotes


Non Tobacco Female

Final Expense Insurance 80
AGE$5,000$10,000$15,000$20,000
80$50.82$98.43$146.05$193.66
Final Expense Insurance 80
AGE$5,000$10,000$15,000$20,000
80$56.51$110.41$164.31$218.21
Final Expense Insurance 80
AGE$5,000$10,000$15,000$20,000
80$53.75$104.00$154.25$204.50

Tobacco Female

Final Expense Insurance 80
$5,000 $10,000$15,000$20,000
$68.92$135.19$201.46$267.74
Final Expense Insurance 80
$5,000$10,000$15,000$20,000
$68.97$134.74$200.50$266.27

Female No Health Questions

Final Expense Insurance 80
$5,000 $10,000$15,000$20,000
$68.56$135.12$201.69$268.25

80 Year Old Sample Male Final Expense Insurance Quotes


 Non Tobacco Male

Final Expense Insurance 80
$5,000 $10,000$15,000$20,000
$67.93$132.65$197.38$262.11
Final Expense Insurance 80
$5,000 $10,000$15,000$20,000
$78.21$153.81$229.41$305.01
Final Expense Insurance 80
$5,000 $10,000$15,000$20,000
$71.85$140.20$208.55$276.90

Tobacco Male

American Amicable Insurance
$5,000 $10,000$15,000$20,000
$92.20$181.75$271.30$360.86
Mutual of Omaha Insurance
$5,000 $10,000$15,000$20,000
$98.34$193.47$288.60$383.73

Male No Health Questions

AIG Final Expense Insurance 80
$5,000 $10,000$15,000$20,000
$88.57$175.15$261.72$348.30

(Note: these quotes were assessed on 2/2/2020. Rates may change. Also note that rates do increase for tobacco users.) Please take a moment and check it out yourself with our online quote.

If you need help with final expense insurance, it would be our honor to assist you. Please call us at 1-800-400-8319. If you would rather that we call you, just fill out the quote form on this page and a licensed agent will be in touch with you promptly.