Best Burial Insurance Options For People 86 and 90 Years Old

Are you looking for information about purchasing life insurance for an individual between 86 and 90 years old? Then, let me assure you, you’ve come to the right place!

Maybe you want insurance for yourself, your spouse, your parent, or another relative. Regardless of the reason, I’m here to help 🙂 

My promise in this article to you is:

  • Help you determine your options for coverage.
  • Give you example quotes so you can get an idea of what to pay.
  • Provide peace of mind with knowing exactly what your options are.

Let’s begin!


  • Why Have Coverage?
  • Coverage Options
  • Amount Available
  • Company Options
  • How To Qualify
  • Next Steps

Reasons for Life Insurance for a Senior 86 and Older

Maybe you’re not convinced yet that you need to purchase life insurance. Well, that’s okay! Hopefully, I’ll be able to help you make that decision today! 

In general, there are two main reasons why an 86 year old or older would want to purchase life insurance: final expenses and income replacement. 

Let’s start by explaining final expenses!

“Final expenses” refer to every cost associated with your funeral. And truthfully, final expenses can quickly skyrocket out of control. 

Cremation can cost anywhere from $5,000 to $6,000, with burial costs ranging from $10,000 to $15,000, depending on where you live.

As such, it’s a REALLY good idea to take out a policy that will cover your final expenses. That way, you won’t burden your loved ones with paying your funeral costs.

Listen, my goal here isn’t to make you worry about final expenses. In fact, it’s the opposite. I want to reassure you that you don’t need to be concerned with burial costs when you have quality life insurance coverage in place. 

The second reason is income replacement! 

Do you have a mortgage, auto, education, or business loan?

Many people want to make sure that there is money available to pay off any remaining debt. That way, their loved ones won’t be burdened with finding the money while trying to work through their grief.

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No matter your reason, having quality life insurance in place is a good idea.

David Duford top 5 strategies in securing the best priced when buying burial insurance

Types Of Life Insurance Are Available To Seniors

For individuals aged 86-90, there is only one life insurance option: burial insurance. Burial insurance or “final expense insurance” will cover the costs of your cremation or burial. 

With burial insurance coverage, the money from your policy will be paid directly to your beneficiary when you pass away. Then, your beneficiary can decide how to use the money.

There is also a cash component to some burial insurance plans. This means that, if eligible, you may be able to take out a loan against your plan.

Additionally, you may be eligible for first-day full benefit coverage. Although it may seem like your options are limited, the critical thing to remember is that you DO still have options.

How Much Coverage Can I Get?

Honestly, the amount can vary, based on the state you live in and which company you have a policy with.

But, if eligible, you may be able to qualify for up to $10,000 in burial insurance. This might not sound like much but think about it. $10,000 can make a substantial difference. 

Even if it doesn’t cover everything, it will still take the pressure off and help your family during this difficult time. 

Companies That Will Insure Seniors 86 to 90

This is American Continental's Aetna Logo.

Right off the bat, I can tell you that Aetna and Security National can offer coverage like this, depending on where you live. Aetna has been around for over 150 years and Security National for more than 50!

They’re both well-established, financially secure companies that offer similar benefits with competitive rates and first-day full benefit coverage options. 

This is Security National Life's Logo.

Why is first-day full benefit coverage essential? Well, nobody truly knows when they’re going to pass away. And for that reason, it’s best to have quality coverage in place from day one.

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Both Aetna and Security National are great options offering quality burial insurance coverage. If you’d like to learn more about these two companies, give me a call at 888-626-0439 today!

How To Qualify For Life Insurance

Now, let’s discuss how you can qualify for life insurance coverage.

No matter which life insurance company you go with, you will need to provide personal information regarding your health, age, and hobbies. 


Your age can affect your eligibility and the cost of your plan. Unfortunately, the older you are, the higher your costs will be. That’s why it’s a good idea to purchase insurance as soon as possible. 

Purchase your life insurance NOW and lock in today’s rates instead of delaying the inevitable. If you wait, you risk being offered higher premiums or not being eligible at all.


You’ll need to answer a long list of detailed questions regarding your health. In particular, they’ll ask questions related to your health, age, weight, and smoking habits.

You must be completely honest when it comes to your health. Don’t withhold any information. Life insurance companies will appreciate that you did your best to be as upfront and candid with them as possible.


It may seem silly, but insurance companies will want to know if you participate in any high-risk activities such as scuba diving, skydiving, or mountaineering.

Are Exams Required?

Typically, medical exams aren’t necessary for burial insurance policies. This means that coverage is awarded based on your answers to their health questionnaire and your current health.

As I mentioned above, this is why you must answer the questionnaire honestly. You wouldn’t want your application to be rejected because the information isn’t 100% accurate, right? 

Luckily, at Buy Life Insurance for Burial, we can assist you with the application process and would love to help you find quality burial insurance. Give us a call today on 888-626-0439 to find out what your options are! 

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Burial Insurance Rates, Age 86 To 90

Security National Life - Female Non-Tabacco Rates


Security National Life - Female Tabacco Rates


Security National Life - Male Non-Tabacco Rates


Security National Life - Male Tabacco Rates


Next Steps

David Duford owner of buy life insurance for burial with his son Goofball

Well, for starters, I highly recommend that you work with a qualified life insurance broker. 

My goal is always to educate you and offer the advice you need to make good life insurance decisions. That’s why I recommend that you work with a broker.

Qualified life insurance brokers, such as our team at Buy Life Insurance for Burial, represent more than one company. We have access to MANY different life insurance companies.

With our expertise and various quality options, we can find the best life insurance coverage for the best price. 

If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Or click here to request a free quote. We will get back to you within the next 24 business hours! 

Thank you for reading! 🙂