3 Final Expense Insurance Scams To Avoid!
last updated on March 7, 2022Looking for a quote for life insurance or burial insurance?
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Final expense insurance reviews play an important role in revealing the true nature of many final expense offers you might see on tv or get in the mail.
In this article I’ll cover the top 3 final expense insurance scams many people fall prey to.
Plus, you’ll learn how to avoid burial insurance scams, and how to source the best final expense insurance you can qualify for to save money.
This article is perfect for those looking for life insurance coverage or for a loved one, like:
- a mother or father,
- A brother or sister,
- A grown child, or
- For an elderly person 85 to 90 years old.
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Funeral Insurance Scams Are A Plenty!
If you’re like most of my 1500+ client base, you see endless junk mail and television solicitations for final expense life insurance.
Typically, the offer for coverage sounds simple enough.
Insurance premiums are affordable. And as long as they fit your budget, you get quality final expense coverage to pay for your funeral expenses.
Here’s the problem
Many of these burial insurance programs “hide” the fine-print that deem them inferior and potentially problematic for you.
That’s why final expense insurance scams are so plentiful – people neglect to read the fine print.
People also neglect to work with a burial insurance broker to get the best possible deal…but more about that later. Let’s jump in!
Scam #1 – No Questions Asked Life Insurance
If you receive mail and watch television, chances are you’ve seen dozens of no-questions asked life insurance products.
More so, there are numerous, brand name insurance companies trying to convince you to buy their no-questions asked life insurance to protect yourself and your loved ones.
And it sounds simple enough:
- You don’t have to answer any health questions.
- Everyone is approved for coverage!
- And, the coverage doesn’t cancel, nor does price go up.
Sounds awesome, right?
So what could possibly be the problem with a plan like this?
Inadequate Coverage For The First Two Years
Upon reading the fine print, you will find that NONE of these final expense programs provide first day full coverage for natural causes of death!
Let me give you an example.
Let’s say you purchase a $10,000 plan with a no questions asked life insurance company like Colonial Penn. And you pay $50 a month for this coverage.
After 12 months, you suffer a massive stroke and die immediately.
Upon calling the insurance company, your beneficiary discovers she will not receive the $10,000 death benefit.
Instead, the insurance company explains that your beneficiary only receives the premiums you paid, plus an extra 10%.
What’s the grand total to your loved ones…?
A shabby $660!
Let me ask you this.
Do you think that’s enough to pay for a burial these days?
It sure as heck isn’t!
An actual story from a life insurance client in Georgia
Sadly, I am basing this story off of my first final expense insurance client.
His father purchased a life insurance plan from a well-known no-questions-asked insurance company.
You’ve probably seen them advertise on TV.
Unfortunately, his father didn’t read the fine print from the company.
When his father suddenly passed away from a stroke, my client filed the death claim, discovering that only several hundred dollars would be returned, instead of the original $10,000 death benefit.
Sadly, my client had to mortgage his own house to pay for his father’s burial.
And it gets worse.
His father could have qualified for first-day full coverage, had he had worked with the right final expense insurance agent.
In conclusion, beware of burial insurance scams.
That is to say, companies offering either no-questions asked life insurance or guaranteed acceptance life insurance.
Rest assured.
You will NOT have natural death coverage for 2 years.
Here’s the good news. I can help most individuals get first-day full natural death coverage for your final expense insurance.
Give me a call at 888-626-0439, or submit a quote!
Scam #2: Low-Cost Term Insurance For Seniors
Well known, brand name insurance carriers like AARP, Globe, and Trustage commonly offer what’s known as term insurance for seniors.
When you look at these policies they usually suggest that your price is locked in place.
Also, the pricing seems more competitive than other companies you’ve seen, too.
And, there are only three health questions to answer, making it seemingly simple to apply.
This is why it’s so important that you are aware there are funeral insurance scams out there.
This all sounds easy enough, right! What could be the problem?
Do You Plan On Dying BEFORE or AFTER Age 80?
These term insurance plans are what I call “terminating” insurance plans.
Term insurance is defined as coverage that lasting for a temporary period of time.
In the case of these senior term insurance plans, the vast majority of them are designed to cancel you out at 80.
And you do NOT get any of your money back, either.
Why Term Insurance Is A Problem
First, nobody knows when our last day on Earth is.
And insurance companies are smart enough to know that half of the people alive today are going to live past 80.
And the other half will die before 80. This bares out statistically.
Simply put, the insurance companies know they’ll “win” the game in most circumstances.
People naturally want to protect their loved ones from paying out of pocket when they die so they buy the insurance.
The problem is any decent final expense insurance review will reveal the insurance companies true intentions – to pocket all your cash, without paying your loved ones a death benefit.
Did I Mention Term Insurance Pricing Goes Up, Too?
To add insult to injury, senior term insurance plans typically increase in price every five years as you age.
Let me share a story with you that describes why this is such a bad deal.
Several years back, I was visiting a nice lady in her early 80s.
She worked as a dry cleaner until a year earlier, as she had open heart surgery, causing her to finally retire.
She had life insurance and could easily pay the bill.
However, all that changed once she lost her work income.
While she worked, she could afford her insurance plan, despite her company raising prices several times.
Now with her income cut back severely, she couldn’t afford the pricing anymore and was considering other final expense insurance options.
How bad was her term price increase?
Originally, she took out the insurance plan in her fifties. She had enough money for the $40,000 plan and it’s $60 monthly premium.
Fast forward 25 years. After several price increases, she was now paying $300 a month at 83 years old!
And remember. This lady could only survive on her meager Social Security check, and couldn’t afford this huge premium anymore.
Unfortunately, the last I heard from her, she decided to drop her insurance.
Picture yourself in her shoes. She had paid for coverage all those years.
She had no coverage in her early 80s and spent tens of thousands of dollars for something that wasn’t going to do her any good in her time of biggest need.
Beware Term Insurance
Luckily, most people who are aware there are funeral insurance scams out there will recognize that term insurance is not the appropriate solution to pay for final expenses to protect against out-of-pocket expenses.
However, some seniors will want term insurance anyway.
And I’m fine with it, as long as you understand what you’re getting.
Unfortunately, these junk mail insurance companies purposely hide how these programs work.
They lull you into a false sense of confidence that their broken plan somehow is an appropriate insurance choice.
Others may tempt a senior to buy their insurance immediately. It sounds like a great deal…but is it really?
If you HATE the idea of possibly wasting thousands of dollars on final expense insurance, and you’d like to get a plan that never cancels, give me a call at 888-626-0439 or send me a message. I can show you plans that are designed never to cancel, and never have a price increase, too.
Scam #3 – Overpriced Final Expense Coverage
Not so much of a product scam, but proceed with caution if you are ever pressured to buy an overpriced final expense insurance program.
If you take the time to read a few final expense insurance reviews online you will find there are many final expense insurance companies designed to overcharge you on premiums, relative to what you could get otherwise.
For example, I have saved countless people tremendous amounts of money, all while giving them the same exact coverage in exchange for averaging a $200 to $300 annual difference in premium savings.
Why is this a big deal?
Because many reading this are on a fixed income.
And when you’re on a fixed income, you’re fixed!
You only get so much a month. And it’s your job to make sure that what you pay for is a good use of your income.
Burial Insurance Rates, Age 40 to 90*
$5000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female. Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $17.22 | $14.32 | $15.67 | $12.91 |
| 46 | $17.70 | $14.69 | $15.99 | $13.11 |
| 47 | $18.29 | $15.11 | $16.37 | $13.38 |
| 48 | $18.93 | $15.58 | $16.74 | $13.69 |
| 49 | $19.39 | $15.86 | $17.02 | $13.84 |
| 50 | $20.05 | $16.18 | $17.31 | $13.94 |
| 51 | $21.04 | $16.75 | $18.05 | $14.33 |
| 52 | $21.85 | $17.16 | $18.53 | $14.54 |
| 53 | $22.90 | $17.70 | $19.26 | $14.91 |
| 54 | $23.99 | $18.41 | $19.93 | $15.33 |
| 55 | $25.24 | $19.15 | $20.76 | $15.80 |
| 56 | $26.33 | $19.83 | $21.39 | $16.24 |
| 57 | $27.37 | $20.55 | $21.96 | $16.63 |
| 58 | $28.41 | $21.24 | $22.53 | $17.02 |
| 59 | $29.65 | $22.01 | $23.15 | $17.45 |
| 60 | $31.11 | $22.98 | $23.94 | $18.04 |
| 61 | $33.09 | $24.29 | $25.08 | $18.86 |
| 62 | $35.11 | $25.55 | $26.22 | $19.63 |
| 63 | $37.09 | $26.86 | $27.37 | $20.46 |
| 64 | $39.12 | $28.17 | $28.46 | $21.28 |
| 65 | $41.10 | $29.48 | $29.60 | $22.11 |
| 66 | $43.85 | $31.27 | $31.37 | $23.32 |
| 67 | $46.66 | $33.07 | $33.14 | $24.53 |
| 68 | $49.42 | $34.87 | $34.91 | $25.75 |
| 69 | $52.17 | $36.66 | $36.68 | $27.01 |
| 70 | $54.98 | $38.45 | $38.44 | $28.22 |
| 71 | $58.62 | $40.78 | $40.99 | $29.92 |
| 72 | $62.31 | $43.06 | $43.49 | $31.66 |
| 73 | $66.00 | $45.61 | $46.04 | $33.57 |
| 74 | $69.64 | $48.18 | $48.53 | $35.49 |
| 75 | $73.34 | $51.37 | $51.08 | $37.81 |
| 76 | $77.96 | $55.04 | $54.41 | $40.73 |
| 77 | $82.97 | $58.42 | $58.00 | $43.36 |
| 78 | $88.09 | $61.53 | $61.62 | $45.82 |
| 79 | $93.19 | $64.72 | $65.28 | $48.31 |
| 80 | $98.34 | $67.93 | $68.97 | $50.82 |
| 81 | $106.65 | $73.10 | $74.27 | $54.71 |
| 82 | $115.56 | $78.37 | $79.99 | $58.58 |
| 83 | $124.54 | $83.31 | $85.70 | $62.26 |
| 84 | $132.94 | $88.24 | $91.05 | $65.88 |
| 85 | $141.39 | $93.18 | $96.45 | $69.55 |
$10000 Mutual of Omaha Monthly Rate Chart
| Age | Male. Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $31.24 | $25.45 | $28.14 | $22.61 |
| 46 | $32.20 | $26.17 | $28.78 | $23.02 |
| 47 | $33.38 | $27.02 | $29.53 | $23.55 |
| 48 | $34.67 | $27.96 | $30.28 | $24.18 |
| 49 | $35.57 | $28.52 | $30.83 | $24.48 |
| 50 | $36.89 | $29.16 | $31.43 | $24.67 |
| 51 | $38.88 | $30.30 | $32.89 | $25.45 |
| 52 | $40.50 | $31.12 | $33.85 | $25.88 |
| 53 | $42.59 | $32.20 | $35.31 | $26.62 |
| 54 | $44.77 | $33.61 | $36.66 | $27.47 |
| 55 | $47.27 | $35.09 | $38.32 | $28.40 |
| 56 | $49.45 | $36.45 | $39.57 | $29.27 |
| 57 | $51.53 | $37.91 | $40.72 | $30.06 |
| 58 | $53.61 | $39.27 | $41.86 | $30.83 |
| 59 | $56.11 | $40.82 | $43.10 | $31.70 |
| 60 | $59.02 | $42.76 | $44.67 | $32.87 |
| 61 | $62.97 | $45.38 | $46.96 | $34.51 |
| 62 | $67.03 | $47.90 | $49.24 | $36.06 |
| 63 | $70.98 | $50.52 | $51.53 | $37.72 |
| 64 | $75.04 | $53.14 | $53.71 | $39.36 |
| 65 | $78.99 | $55.76 | $56.00 | $41.01 |
| 66 | $84.50 | $59.35 | $59.54 | $43.44 |
| 67 | $90.11 | $62.93 | $63.07 | $45.86 |
| 68 | $95.63 | $66.53 | $66.61 | $48.29 |
| 69 | $101.14 | $70.11 | $70.15 | $50.81 |
| 70 | $106.76 | $73.70 | $73.68 | $53.24 |
| 71 | $114.04 | $78.36 | $78.78 | $56.63 |
| 72 | $121.42 | $82.92 | $83.77 | $60.12 |
| 73 | $128.80 | $88.01 | $88.87 | $63.93 |
| 74 | $136.08 | $93.16 | $93.86 | $67.78 |
| 75 | $143.47 | $99.53 | $98.95 | $72.41 |
| 76 | $152.72 | $106.87 | $105.61 | $78.25 |
| 77 | $162.75 | $113.64 | $112.80 | $83.51 |
| 78 | $172.97 | $119.86 | $120.04 | $88.44 |
| 79 | $183.17 | $126.23 | $127.36 | $93.41 |
| 80 | $193.47 | $132.65 | $134.74 | $98.43 |
| 81 | $210.10 | $143.00 | $145.34 | $106.21 |
| 82 | $227.91 | $153.54 | $156.77 | $113.96 |
| 83 | $245.88 | $163.41 | $168.20 | $121.31 |
| 84 | $262.68 | $173.28 | $178.90 | $128.55 |
| 85 | $279.58 | $183.15 | $189.70 | $135.90 |
$15000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $45.26 | $36.57 | $40.61 | $32.31 |
| 46 | $46.70 | $37.66 | $41.57 | $32.93 |
| 47 | $48.47 | $38.93 | $42.69 | $33.72 |
| 48 | $50.40 | $40.34 | $43.81 | $34.67 |
| 49 | $51.76 | $41.18 | $44.64 | $35.12 |
| 50 | $53.73 | $42.13 | $45.54 | $35.40 |
| 51 | $56.72 | $43.85 | $47.74 | $36.58 |
| 52 | $59.15 | $45.08 | $49.17 | $37.22 |
| 53 | $62.28 | $46.70 | $51.36 | $38.33 |
| 54 | $65.55 | $48.81 | $53.39 | $39.60 |
| 55 | $69.30 | $51.04 | $55.88 | $41.00 |
| 56 | $72.57 | $53.08 | $57.75 | $42.31 |
| 57 | $75.69 | $55.26 | $59.47 | $43.48 |
| 58 | $78.82 | $57.30 | $61.18 | $44.64 |
| 59 | $82.56 | $59.62 | $63.05 | $45.95 |
| 60 | $86.92 | $62.53 | $65.40 | $47.70 |
| 61 | $92.85 | $66.47 | $68.83 | $50.17 |
| 62 | $98.94 | $70.25 | $72.26 | $52.49 |
| 63 | $104.86 | $74.17 | $75.69 | $54.98 |
| 64 | $110.95 | $78.11 | $78.97 | $57.45 |
| 65 | $116.88 | $82.04 | $82.40 | $59.91 |
| 66 | $125.14 | $87.42 | $87.71 | $63.56 |
| 67 | $133.57 | $92.80 | $93.01 | $67.19 |
| 68 | $141.84 | $98.19 | $98.31 | $70.84 |
| 69 | $150.11 | $103.57 | $103.62 | $74.61 |
| 70 | $158.53 | $108.95 | $108.92 | $78.26 |
| 71 | $169.45 | $115.93 | $116.57 | $83.34 |
| 72 | $180.53 | $122.78 | $124.05 | $88.58 |
| 73 | $191.60 | $130.42 | $131.70 | $94.29 |
| 74 | $202.52 | $138.13 | $139.19 | $100.07 |
| 75 | $213.60 | $147.69 | $146.82 | $107.01 |
| 76 | $227.48 | $158.70 | $156.81 | $115.77 |
| 77 | $242.52 | $168.86 | $167.60 | $123.66 |
| 78 | $257.86 | $178.18 | $178.46 | $131.06 |
| 79 | $273.15 | $187.74 | $189.44 | $138.52 |
| 80 | $288.60 | $197.38 | $200.50 | $146.05 |
| 81 | $313.55 | $212.89 | $216.40 | $157.72 |
| 82 | $340.26 | $228.71 | $233.56 | $169.33 |
| 83 | $367.22 | $243.52 | $250.70 | $180.36 |
| 84 | $392.42 | $258.32 | $266.75 | $191.23 |
| 85 | $417.77 | $273.13 | $282.95 | $202.25 |
$20000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $59.27 | $47.69 | $53.08 | $42.01 |
| 46 | $61.20 | $49.15 | $54.36 | $42.84 |
| 47 | $63.56 | $50.84 | $55.86 | $43.89 |
| 48 | $66.13 | $52.72 | $57.35 | $45.16 |
| 49 | $67.94 | $53.85 | $58.46 | $45.76 |
| 50 | $70.58 | $55.11 | $59.65 | $46.14 |
| 51 | $74.56 | $57.41 | $62.58 | $47.70 |
| 52 | $77.80 | $59.04 | $64.49 | $48.56 |
| 53 | $81.97 | $61.20 | $67.41 | $50.04 |
| 54 | $86.33 | $64.01 | $70.11 | $51.73 |
| 55 | $91.33 | $66.98 | $73.44 | $53.60 |
| 56 | $95.69 | $69.70 | $75.93 | $55.34 |
| 57 | $99.86 | $72.61 | $78.23 | $56.91 |
| 58 | $104.02 | $75.33 | $80.51 | $58.46 |
| 59 | $109.01 | $78.43 | $83.00 | $60.20 |
| 60 | $114.83 | $82.31 | $86.13 | $62.53 |
| 61 | $122.73 | $87.56 | $90.71 | $65.82 |
| 62 | $130.85 | $92.60 | $95.28 | $68.92 |
| 63 | $138.75 | $97.83 | $99.86 | $72.23 |
| 64 | $146.87 | $103.08 | $104.22 | $75.53 |
| 65 | $154.77 | $108.31 | $108.79 | $78.82 |
| 66 | $165.79 | $115.49 | $115.88 | $83.68 |
| 67 | $177.02 | $122.66 | $122.94 | $88.52 |
| 68 | $188.06 | $129.85 | $130.01 | $93.38 |
| 69 | $199.08 | $137.02 | $137.10 | $98.42 |
| 70 | $210.31 | $144.20 | $144.16 | $103.28 |
| 71 | $224.87 | $153.51 | $154.36 | $110.06 |
| 72 | $239.64 | $162.64 | $164.33 | $117.04 |
| 73 | $254.40 | $172.82 | $174.53 | $124.65 |
| 74 | $268.96 | $183.11 | $184.51 | $132.36 |
| 75 | $283.73 | $195.85 | $194.70 | $141.62 |
| 76 | $302.24 | $210.54 | $208.01 | $153.29 |
| 77 | $322.29 | $224.08 | $222.39 | $163.81 |
| 78 | $342.74 | $236.51 | $236.88 | $173.67 |
| 79 | $363.14 | $249.25 | $251.51 | $183.62 |
| 80 | $383.73 | $262.11 | $266.27 | $193.66 |
| 81 | $417.00 | $282.79 | $287.47 | $209.22 |
| 82 | $452.62 | $303.88 | $310.34 | $224.71 |
| 83 | $488.56 | $323.62 | $333.20 | $239.41 |
| 84 | $522.16 | $343.36 | $354.59 | $253.90 |
| 85 | $555.97 | $363.10 | $376.20 | $268.60 |
$25000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $73.29 | $58.81 | $65.55 | $51.71 |
| 46 | $75.69 | $60.63 | $67.15 | $52.75 |
| 47 | $78.65 | $62.75 | $69.02 | $54.07 |
| 48 | $81.86 | $65.10 | $70.89 | $55.65 |
| 49 | $84.13 | $66.51 | $72.27 | $56.40 |
| 50 | $87.42 | $68.09 | $73.76 | $56.87 |
| 51 | $92.40 | $70.96 | $77.43 | $58.83 |
| 52 | $96.45 | $73.00 | $79.81 | $59.90 |
| 53 | $101.66 | $75.69 | $83.46 | $61.74 |
| 54 | $107.11 | $79.21 | $86.84 | $63.86 |
| 55 | $113.36 | $82.93 | $91.00 | $66.19 |
| 56 | $118.82 | $86.33 | $94.12 | $68.37 |
| 57 | $124.02 | $89.96 | $96.99 | $70.33 |
| 58 | $129.23 | $93.36 | $99.84 | $72.27 |
| 59 | $135.46 | $97.23 | $102.95 | $74.45 |
| 60 | $142.73 | $102.08 | $106.87 | $77.36 |
| 61 | $152.61 | $108.65 | $112.59 | $81.48 |
| 62 | $162.76 | $114.94 | $118.30 | $85.35 |
| 63 | $172.64 | $121.49 | $124.02 | $89.49 |
| 64 | $182.78 | $128.05 | $129.47 | $93.61 |
| 65 | $192.66 | $134.59 | $135.19 | $97.72 |
| 66 | $206.44 | $143.56 | $144.05 | $103.80 |
| 67 | $220.48 | $152.52 | $152.88 | $109.85 |
| 68 | $234.27 | $161.51 | $161.71 | $115.92 |
| 69 | $248.04 | $170.48 | $170.57 | $122.22 |
| 70 | $262.08 | $179.45 | $179.40 | $128.29 |
| 71 | $280.28 | $191.08 | $192.15 | $136.77 |
| 72 | $298.75 | $202.50 | $204.61 | $145.49 |
| 73 | $317.20 | $215.22 | $217.36 | $155.02 |
| 74 | $335.40 | $228.08 | $229.84 | $164.65 |
| 75 | $353.86 | $244.02 | $242.57 | $176.22 |
| 76 | $377.00 | $262.37 | $259.21 | $190.82 |
| 77 | $402.06 | $279.30 | $277.19 | $203.97 |
| 78 | $427.62 | $294.83 | $295.30 | $216.29 |
| 79 | $453.12 | $310.77 | $313.59 | $228.73 |
| 80 | $478.86 | $326.83 | $332.04 | $241.28 |
| 81 | $520.45 | $352.68 | $358.54 | $260.73 |
| 82 | $564.97 | $379.05 | $387.13 | $280.08 |
| 83 | $609.89 | $403.73 | $415.70 | $298.46 |
| 84 | $651.90 | $428.40 | $442.44 | $316.57 |
| 85 | $694.16 | $453.08 | $469.45 | $334.95 |
$30000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $87.31 | $69.93 | $78.02 | $61.41 |
| 46 | $90.19 | $72.12 | $79.94 | $62.66 |
| 47 | $93.74 | $74.65 | $82.18 | $64.24 |
| 48 | $97.59 | $77.48 | $84.43 | $66.14 |
| 49 | $100.31 | $79.17 | $86.08 | $67.04 |
| 50 | $104.26 | $81.06 | $87.87 | $67.60 |
| 51 | $110.24 | $84.51 | $92.28 | $69.95 |
| 52 | $115.10 | $86.96 | $95.13 | $71.24 |
| 53 | $121.35 | $90.19 | $99.51 | $73.45 |
| 54 | $127.89 | $94.41 | $103.57 | $75.99 |
| 55 | $135.40 | $98.87 | $108.56 | $78.79 |
| 56 | $141.94 | $102.96 | $112.30 | $81.41 |
| 57 | $148.19 | $107.31 | $115.74 | $83.76 |
| 58 | $154.43 | $111.39 | $119.16 | $86.08 |
| 59 | $161.91 | $116.04 | $122.90 | $88.70 |
| 60 | $170.64 | $121.86 | $127.60 | $92.20 |
| 61 | $182.49 | $129.74 | $134.46 | $97.13 |
| 62 | $194.67 | $137.29 | $141.32 | $101.78 |
| 63 | $206.52 | $145.14 | $148.19 | $106.75 |
| 64 | $218.70 | $153.02 | $154.73 | $111.69 |
| 65 | $230.55 | $160.87 | $161.59 | $116.63 |
| 66 | $247.08 | $171.63 | $172.22 | $123.91 |
| 67 | $263.93 | $182.39 | $182.81 | $131.18 |
| 68 | $280.48 | $193.17 | $193.41 | $138.47 |
| 69 | $297.01 | $203.93 | $204.04 | $146.02 |
| 70 | $313.86 | $214.69 | $214.64 | $153.31 |
| 71 | $335.70 | $228.66 | $229.94 | $163.48 |
| 72 | $357.86 | $242.36 | $244.89 | $173.95 |
| 73 | $379.99 | $257.63 | $260.19 | $185.38 |
| 74 | $401.84 | $273.06 | $275.17 | $196.94 |
| 75 | $424.00 | $292.18 | $290.44 | $210.82 |
| 76 | $451.76 | $314.21 | $310.41 | $228.34 |
| 77 | $481.83 | $334.52 | $331.99 | $244.12 |
| 78 | $512.51 | $353.16 | $353.72 | $258.91 |
| 79 | $543.10 | $372.28 | $375.67 | $273.84 |
| 80 | $574.00 | $391.56 | $397.80 | $288.89 |
| 81 | $623.90 | $422.58 | $429.60 | $312.23 |
| 82 | $677.33 | $454.22 | $463.91 | $335.46 |
| 83 | $731.23 | $483.83 | $498.20 | $357.51 |
| 84 | $781.64 | $513.44 | $530.29 | $379.25 |
| 85 | $832.35 | $543.05 | $562.70 | $401.30 |
$35000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-smoker |
|---|---|---|---|---|
| 45 | $101.33 | $81.05 | $90.49 | $71.11 |
| 46 | $104.69 | $83.60 | $92.73 | $72.58 |
| 47 | $108.83 | $86.56 | $95.35 | $74.41 |
| 48 | $113.32 | $89.86 | $97.96 | $76.62 |
| 49 | $116.50 | $91.83 | $99.89 | $77.68 |
| 50 | $121.11 | $94.04 | $101.98 | $78.34 |
| 51 | $128.08 | $98.06 | $107.12 | $81.08 |
| 52 | $133.75 | $100.92 | $110.45 | $82.57 |
| 53 | $141.04 | $104.69 | $114.14 | $85.16 |
| 54 | $148.67 | $109.61 | $120.30 | $88.12 |
| 55 | $157.43 | $114.81 | $126.12 | $91.39 |
| 56 | $165.06 | $119.58 | $130.48 | $94.44 |
| 57 | $172.35 | $124.66 | $134.50 | $97.18 |
| 58 | $179.64 | $129.42 | $138.49 | $99.89 |
| 59 | $188.36 | $134.84 | $142.85 | $102.95 |
| 60 | $198.55 | $141.63 | $148.33 | $107.03 |
| 61 | $212.38 | $150.82 | $156.34 | $112.79 |
| 62 | $226.58 | $159.64 | $164.34 | $118.21 |
| 63 | $240.41 | $168.80 | $172.35 | $124.00 |
| 64 | $254.62 | $177.99 | $179.98 | $129.77 |
| 65 | $268.45 | $187.14 | $187.99 | $135.53 |
| 66 | $287.73 | $199.70 | $200.38 | $144.03 |
| 67 | $307.38 | $212.25 | $212.75 | $152.51 |
| 68 | $326.70 | $224.84 | $225.12 | $161.01 |
| 69 | $345.98 | $237.39 | $237.51 | $169.83 |
| 70 | $365.63 | $249.94 | $249.88 | $178.33 |
| 71 | $391.11 | $266.23 | $267.73 | $190.20 |
| 72 | $416.97 | $282.21 | $285.17 | $202.41 |
| 73 | $442.79 | $300.03 | $303.02 | $215.74 |
| 74 | $468.27 | $318.04 | $320.50 | $229.23 |
| 75 | $494.13 | $340.34 | $338.32 | $245.43 |
| 76 | $526.52 | $366.04 | $361.62 | $265.86 |
| 77 | $561.60 | $389.74 | $386.79 | $284.27 |
| 78 | $597.39 | $411.49 | $412.14 | $301.53 |
| 79 | $633.09 | $433.79 | $437.75 | $318.94 |
| 80 | $669.13 | $456.28 | $463.57 | $336.51 |
| 81 | $727.35 | $492.48 | $500.67 | $363.73 |
| 82 | $789.68 | $529.39 | $540.70 | $390.83 |
| 83 | $852.57 | $563.94 | $580.69 | $416.56 |
| 84 | $911.38 | $598.48 | $618.14 | $441.92 |
| 85 | $970.54 | $633.03 | $655.95 | $467.65 |
$40000 Mutual of Omaha Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 45 | $115.34 | $92.17 | $102.96 | $80.81 |
| 46 | $119.19 | $95.09 | $105.52 | $82.49 |
| 47 | $123.92 | $98.47 | $108.51 | $84.59 |
| 48 | $129.05 | $102.24 | $111.50 | $87.11 |
| 49 | $132.68 | $104.49 | $113.71 | $88.32 |
| 50 | $137.95 | $107.01 | $116.09 | $89.07 |
| 51 | $145.92 | $111.61 | $121.97 | $92.20 |
| 52 | $152.40 | $114.88 | $125.77 | $93.91 |
| 53 | $160.73 | $119.19 | $131.61 | $96.87 |
| 54 | $169.46 | $124.81 | $137.02 | $100.25 |
| 55 | $179.46 | $130.76 | $143.68 | $103.99 |
| 56 | $188.18 | $136.21 | $148.67 | $107.48 |
| 57 | $196.51 | $142.01 | $153.26 | $110.61 |
| 58 | $204.84 | $147.46 | $157.81 | $113.71 |
| 59 | $214.81 | $153.65 | $162.80 | $117.20 |
| 60 | $226.45 | $161.41 | $169.06 | $121.86 |
| 61 | $242.26 | $171.91 | $178.21 | $128.44 |
| 62 | $258.49 | $181.99 | $187.36 | $134.64 |
| 63 | $274.30 | $192.45 | $196.51 | $141.26 |
| 64 | $290.53 | $202.96 | $205.23 | $147.85 |
| 65 | $306.34 | $213.42 | $214.38 | $154.43 |
| 66 | $328.37 | $227.77 | $228.55 | $164.15 |
| 67 | $350.84 | $242.12 | $242.69 | $173.83 |
| 68 | $372.91 | $256.50 | $256.82 | $183.55 |
| 69 | $394.95 | $270.84 | $270.99 | $193.63 |
| 70 | $417.41 | $285.19 | $285.12 | $203.35 |
| 71 | $446.53 | $303.81 | $305.52 | $216.91 |
| 72 | $476.08 | $322.07 | $325.46 | $230.87 |
| 73 | $505.59 | $342.44 | $345.85 | $246.10 |
| 74 | $534.71 | $363.01 | $365.83 | $261.52 |
| 75 | $564.26 | $388.50 | $386.19 | $280.03 |
| 76 | $601.28 | $417.87 | $412.82 | $303.38 |
| 77 | $641.37 | $444.96 | $441.58 | $324.42 |
| 78 | $682.27 | $469.81 | $470.56 | $344.15 |
| 79 | $723.07 | $495.30 | $499.82 | $364.05 |
| 80 | $764.26 | $521.01 | $529.34 | $384.12 |
| 81 | $830.80 | $562.37 | $571.74 | $415.24 |
| 82 | $902.03 | $604.56 | $617.48 | $446.21 |
| 83 | $973.91 | $644.04 | $663.19 | $475.62 |
| 84 | $1041.12 | $683.52 | $705.98 | $504.59 |
| 85 | $1108.73 | $723.00 | $749.20 | $534.00 |
$50000 Sagicor Guaranteed Universal Life Monthly Rate Chart
| Age | Male, Smoker | Male, Non-Smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 40 | $71.08 | $42.59 | $61.87 | $38.14 |
| 41 | $73.77 | $43.72 | $64.08 | $39.18 |
| 42 | $76.39 | $44.82 | $66.25 | $40.19 |
| 43 | $78.94 | $45.90 | $68.37 | $41.17 |
| 44 | $81.43 | $46.94 | $70.46 | $42.14 |
| 45 | $83.88 | $47.97 | $72.50 | $43.08 |
| 46 | $89.75 | $51.45 | $76.98 | $45.63 |
| 47 | $95.36 | $54.77 | $81.28 | $48.05 |
| 48 | $100.74 | $57.93 | $85.42 | $50.37 |
| 49 | $105.92 | $60.96 | $89.41 | $52.59 |
| 50 | $110.92 | $63.86 | $93.28 | $54.72 |
| 51 | $115.75 | $65.17 | $97.02 | $55.52 |
| 52 | $120.44 | $66.38 | $100.66 | $57.46 |
| 53 | $124.99 | $68.88 | $104.20 | $59.35 |
| 54 | $129.42 | $71.29 | $107.66 | $61.17 |
| 55 | $133.74 | $73.63 | $111.03 | $62.93 |
| 56 | $144.98 | $79.75 | $118.39 | $68.23 |
| 57 | $155.65 | $85.54 | $125.45 | $73.21 |
| 58 | $165.85 | $91.06 | $132.21 | $77.91 |
| 59 | $175.60 | $96.31 | $138.74 | $82.37 |
| 60 | $184.96 | $101.33 | $145.02 | $86.63 |
| 61 | $193.98 | $104.15 | $151.08 | $87.25 |
| 62 | $202.71 | $108.69 | $156.97 | $91.04 |
| 63 | $211.16 | $113.07 | $162.68 | $94.68 |
| 64 | $219.34 | $117.29 | $168.22 | $98.21 |
| 65 | $227.30 | $121.37 | $173.61 | $101.61 |
| 66 | $247.22 | $132.85 | $189.09 | $111.40 |
| 67 | $266.34 | $143.76 | $203.78 | $120.65 |
| 68 | $284.75 | $154.17 | $217.80 | $129.45 |
| 69 | $302.58 | $164.13 | $231.29 | $137.85 |
| 70 | $319.92 | $173.69 | $244.28 | $145.90 |
| 71 | $336.78 | $192.57 | $256.82 | $158.96 |
| 72 | $336.78 | $201.77 | $269.01 | $166.62 |
| 73 | $369.29 | $210.68 | $280.87 | $174.03 |
| 74 | $385.04 | $219.30 | $292.40 | $181.21 |
| 75 | $400.49 | $227.64 | $303.65 | $188.18 |
| 76 | $475.85 | $255.91 | $341.84 | $209.25 |
| 77 | $548.61 | $283.62 | $379.18 | $229.59 |
| 78 | $618.61 | $310.63 | $415.69 | $249.25 |
| 79 | $780.01 | $337.07 | $451.56 | $268.32 |
| 80 | $1,147.46 | $362.72 | $486.90 | $286.90 |
| 81 | No monthly Result | $387.72 | $521.66 | $305.01 |
| 82 | No Monthly Result | $412.09 | $555.91 | $322.70 |
| 83 | No Monthly Result | $435.78 | $589.74 | $340.02 |
| 84 | No Monthly Result | $458.81 | $623.24 | $357.04 |
| 85 | No Monthly Result | $481.23 | $656.34 | $373.75 |
$100000 Sagicor Guaranteed Universal Life Monthly Rate Chart
| Age | Male, Smoker | Male, Non-smoker | Female, Smoker | Female, Non-Smoker |
|---|---|---|---|---|
| 40 | $119.51 | $62.85 | $103.25 | $53.35 |
| 41 | $124.88 | $64.92 | $107.60 | $55.28 |
| 42 | $130.10 | $66.93 | $111.84 | $57.16 |
| 43 | $135.16 | $68.89 | $115.98 | $58.98 |
| 44 | $140.08 | $70.81 | $120.02 | $60.76 |
| 45 | $144.88 | $72.67 | $123.98 | $62.49 |
| 46 | $155.76 | $79.21 | $133.48 | $67.42 |
| 47 | $166.14 | $85.39 | $142.53 | $72.04 |
| 48 | $176.10 | $91.27 | $151.18 | $76.43 |
| 49 | $185.65 | $96.87 | $159.48 | $80.62 |
| 50 | $194.87 | $102.23 | $167.48 | $84.62 |
| 51 | $203.77 | $102.58 | $175.19 | $86.40 |
| 52 | $212.39 | $107.33 | $182.65 | $90.02 |
| 53 | $220.75 | $111.90 | $189.90 | $93.51 |
| 54 | $228.88 | $116.31 | $196.94 | $96.88 |
| 55 | $236.79 | $120.58 | $203.79 | $100.13 |
| 56 | $258.31 | $131.48 | $218.48 | $109.34 |
| 57 | $278.75 | $141.80 | $232.49 | $117.94 |
| 58 | $298.21 | $151.62 | $245.92 | $126.06 |
| 59 | $316.81 | $161.00 | $258.80 | $133.77 |
| 60 | $334.68 | $169.96 | $271.23 | $141.12 |
| 61 | $351.85 | $175.12 | $283.22 | $142.30 |
| 62 | $368.40 | $183.24 | $294.80 | $148.82 |
| 63 | $384.40 | $191.06 | $306.04 | $155.09 |
| 64 | $399.95 | $198.61 | $316.97 | $161.14 |
| 65 | $415.04 | $205.90 | $327.58 | $166.99 |
| 66 | $452.47 | $226.90 | $355.90 | $191.98 |
| 67 | $488.38 | $246.84 | $382.8 | $214.91 |
| 68 | $522.95 | $265.85 | $408.64 | $236.24 |
| 69 | $556.31 | $265.85 | $433.36 | $256.25 |
| 70 | $588.60 | $301.44 | $457.26 | $275.16 |
| 71 | $620.09 | $335.48 | $480.35 | $303.34 |
| 72 | $650.75 | $352.30 | $502.71 | $320.97 |
| 73 | $680.66 | $368.50 | $524.46 | $337.86 |
| 74 | $709.91 | $384.15 | $545.72 | $354.15 |
| 75 | $738.58 | $399.32 | $566.44 | $369.85 |
| 76 | $869.73 | $464.00 | $642.12 | $412.48 |
| 77 | $996.82 | $526.55 | $715.82 | $453.57 |
| 78 | $1,119.02 | $586.96 | $787.74 | $493.24 |
| 79 | $1,236.88 | $645.44 | $858.05 | $531.65 |
| 80 | $1,350.19 | $701.80 | $927.21 | $569.0 |
| 81 | $1,583.76 | $756.25 | $995.19 | $605.51 |
| 82 | $2,109.54 | $809.08 | $1,062.07 | $641.06 |
| 83 | $2,735.70 | $860.17 | $1,127.96 | $675.85 |
| 84 | $3,482.42 | $909.63 | $1,193.07 | $710.03 |
| 85 | No Monthly Result | $957.58 | $1,257.48 | $743.57 |
*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.
How To Ensure You Get A Great Deal On Your Final Expense Insurance Coverage
My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. 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!
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That means you aren’t locked into a single price like others many offer.
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For example, ask to see proof of multiple companies the insurance agent works with. He should have brochures available.
Or he can show you online at your State’s Department of Insurance website which carriers he has active appointments with.
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