Top 5 Funeral Insurance Plans for Seniors [September 2025 Update]
Compare affordable coverage options from the best-rated carriers. Plans available for seniors ages 50–85. No medical exam required.
America’s Most Trusted Funeral Insurance Carrier
With over a century of experience, Mutual of Omaha is one of the most respected names in senior life insurance. Their Living Promise plan offers affordable funeral coverage, with simplified underwriting and no medical exams required for most applicants. Coverage ranges from $2,000 to $40,000.
No medical exam required
Trusted brand with strong financial ratings
Fast claims processing
Flexible Coverage for Every Health Situation
Transamerica has helped millions of families protect their loved ones with affordable funeral plans. Whether you're in great health or managing medical conditions, they offer flexible options — with coverage amounts up to $50,000 and competitive monthly rates.
Accepts applicants up to age 85
Fast, simplified approval
Great option for moderate health conditions
Guaranteed Acceptance – No Health Questions Asked
Gerber Life offers one of the best guaranteed issue policies for seniors between 50 and 80 years old. No medical questions, no health exams — everyone in that age group is approved. Perfect for individuals with serious health issues or prior declines.
Guaranteed issue – everyone qualifies
No medical questions or exams
Up to $25,000 in coverage
Fast, Affordable Funeral Plans
Americo is a top pick for seniors looking for speed, affordability, and reliable customer service. Their Eagle Premier plan offers some of the lowest premiums in the market, with instant decision tools and flexible payment options.
Competitive rates across most ages
Same-day approval available
Coverage from $2,000 to $30,000
Funeral Insurance Backed by a Healthcare Giant
Aetna’s funeral plans, underwritten by Accendo, are a trusted solution for seniors who want peace of mind. Backed by CVS Health, Aetna offers fast approvals, excellent rates, and a strong reputation in the Medicare and senior markets.
Backed by CVS Health
Accepts many pre-existing conditions
Easy phone-based application
TESTIMONIALS
What others are saying
M. Todd Coin
Ashley is the best. Even when I couldn't give her my full attention, she was patient and professional, until I could. Thank you, Ashley.
Julie Sablan
I got my insurance online and Fernanda was totally awesome. My friend also purchased a policy and Fernanda took care of both of us with such efficiency. She was so pleasant and definitely a people person.
Heather Cashdollar
My agent Fernanda was excellent. Found me new insurance in no time and a good rate.
Brandie Ross
I had the quick and easiest experience with Ashley at 24 hour insurance services, resulting in a very reasonable premium for the exact coverage I was looking for! Thank you Ashley ☺️
Call now to compare quotes from 15+ top funeral insurance plans
STILL NOT SURE?
Frequently Asked Questions
What Does Funeral Insurance Cover?
Funeral insurance does a lot more than cover death. It also covers critical or terminal illness if you get really sick while still living.
Does Funeral Insurance Expire?
Some companies will terminate your funeral insurance policy at age 80 or 90. Not the ones we work with. It’s important to get a policy that lasts for life, and wont go up in price, wasting your money.
Do I have To Pay For Life?
No you do not have to pay for life. You can exercise a reduce paid up option where they reduce the death benefit based on how much you’ve paid so far, and then it is paid up for life. This is a great option for those where something happens financially and they can no longer pay.
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Instant Issue & No Waiting Periods for Ages 45-85
Compare funeral insurance quotes from among 15+ of the top A+ rated carriers in your state. Find you the lowest rates and best products available with no waiting period for most.
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