Final expense insurance cost estimator
See ballpark monthly premiums for $5,000 to $30,000 of burial coverage. No name, email or phone needed.
Gender
Tobacco
Coverage amount
Estimated monthly premium for $10,000
Likely plan type: Level benefit (full coverage from day one)
| Coverage | Est. per month | Est. per year |
|---|---|---|
| $5,000 | $26 | $312 |
| $10,000 | $48 | $576 |
| $15,000 | $71 | $852 |
| $20,000 | $93 | $1,116 |
| $25,000 | $116 | $1,392 |
| $30,000 | $138 | $1,656 |
Planning estimates only, not a quote. Actual prices depend on the insurer, your state, height and weight, medications and answers on the application.
Get real prices from a licensed agentNew to this? Start with final expense insurance explained.
Frequently asked questions
How accurate is this estimate?
It's a planning range based on typical final expense rate tables. Real prices vary by insurer — often by 30% or more for the same person — and depend on your health answers.
Why do men pay more?
Men have shorter average life expectancy, so insurers charge them more at the same age.
What does graded benefit mean?
A graded policy pays only part of the benefit (or refunds premiums) if death from illness happens in the first two years, then pays in full.