Below are the top rates for final expense whole life insurance. We compare 35+ top carriers at once, saving you the hassle. You’ll see the market rates upfront—no surprises, just the right coverage when you’re ready. 50,000 or more available upon request.
Most Popular Option: $10,000
The most common choice is $10,000 in coverage—it keeps the premiums low while providing solid protection. It’s a smart, affordable way to ensure your loved ones aren’t left with the burden
Note: No health exams, and final expense policies are issued usually over the phone in minutes with instant decision. If you are deliced, see the rates for Guaranteed Acceptance Whole Life Click Here
Final Expense Whole Life rates by age and coverage amount:
Male Rates:
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 50 | $16 | $30 | $44 | $57 | $70 |
| 55 | $19 | $35 | $51 | $67 | $83 |
| 60 | $23 | $43 | $63 | $83 | $158 |
| 65 | $28 | $53 | $79 | $104 | $129 |
| 70 | $36 | $69 | $102 | $135 | $169 |
| 75 | $50 | $97 | $144 | $190 | $236 |
| 80 | $69 | $136 | $202 | $269 | $235 |
Female Rates:
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 |
|---|---|---|---|---|---|
| 50 | $11 | $24 | $34 | $44 | $55 |
| 55 | $15 | $27 | $39 | $51 | $63 |
| 60 | $18 | $32 | $47 | $61 | $76 |
| 65 | $22 | $40 | $59 | $77 | $96 |
| 70 | $28 | $52 | $77 | $102 | $126 |
| 75 | $37 | $70 | $104 | $138 | $171 |
| 80 | $50 | $98 | $146 | $193 | $240 |
Adults age 50-80, your approval is guaranteed.
Rates never to increase. Coverage starts from
3,000 to 50,000
Schedule your call now
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By shopping over 35+ life insurance carriers at one time, our priority is to find you the best plan available. In many cases, we can secure day-one coverage or a graded benefit plan before recommending Guaranteed Acceptance Whole Life.
For Guaranteed Acceptance Whole Life policies, during the first two policy years, if death occurs from natural causes, your beneficiaries will receive a refund of all premiums paid, plus an additional 10%. After the two-year period, the full death benefit will be paid for any cause of death.
Please note, if there are any outstanding policy loans, the death benefit will be reduced by the loan balance.
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