10000 Whole Life Insurance Best Price Solid Plans

If you need a 10000 whole life insurance policy look no further. We specialize in this type of insurance, especially for seniors wanting to make sure their cremation, funeral, and burial are covered so their family is not stuck with a big bill of $10,000 or more depending on the funeral.

This is the whole point about final expense life insurance. Making sure you have the right policy at your specific age with a proper death benefit to reflect the cost of the funeral. In addition to this you will always see different marketing terms for 10000 whole life insurance like “regulated by state” or “burial insurance” etc.

It’s all the same thing, permanent life insurance with no medical exam required to provide a quick payout to your family at an affordable monthly premium.

In this article we will cover everything you need to know about a 10000 whole life insurance so your family is protected when you die.

How much Does a 10 000 Whole Life Insurance Policy Cost?

A 10,000 whole life insurance policy cost’s $83.99 monthly for Mutual of Omaha based on a male born on 2/2/1950 non-smoker. That is an example rate it can be different depending on your birthdate that is why we have the quoter to the right of this page.

Depending on your medical history this can make the difference between a guaranteed issue policy or an immediate benefit policy.

Immediate Benefit Policy

This is always going to be the best life insurance rate because youre considered healthy by the life insurance companies therefore due to your health issues if any the insurance offer for the rate is going to be as low and competitive as it gets.

Guaranteed Issue Policy or Graded

These types of policies are always around 10 – 20% more expensive than immediate benefits because the life insurance company issuing the 10,000 whole life insurance coverage determines you have a low life expectancy due to your health conditions. This results in higher rates on life insurance quotes but you can still be insured no matter your health issue regardless of the higher premium.

The maximum waiting period for GI or graded policies is usually 2 years unless you get one of the worst brands out there we have linked below to help you avoid those bad brands.

Worst Brands for Seniors Avoid like the Plague: Colonial, AARP, Opencare, ASB, LH, Trustage, Globe, NF, Ladder, Ethos, LIS

Keep in mind that GI or graded policies still build cash value which can be used if you need to quick cash to pay for something.

We have included below quotes for 10,000 whole life insurance for each age range.

To see a custom quote for your or your loved one fill out the form to your right.

40 – 49 Pricing for 10,000 Whole Life Insurance Rates

AGEFemale Non Tobacco Male Non Tobacco Female Tobacco Male Tobacco
40 $20 $22 $24 $29
41$20$23 $24 $30
42$21 $24 $25 $31
43$21 $24 $26 $32
44$22 $25$27 $33
45$22 $25 $28 $31
46$23 $26 $28 $32
47$23 $27 $29$33
48$24 $27$30 $34
49$24 $28$30 $35

50 – 59 Pricing for 10,000 Whole Life Insurance Policy Premium

AGE Female Non Tobacco Male Non Tobacco Female Tobacco Male Tobacco
50$24 $29 $31 $36
51$25 $30 $32 $38
52$25$31 $33 $40
53$26$32$35 $42
54$27$33$36 $44
55$28$35 $38 $47
56$29 $36 $39$49
57$30 $37 $40 $51
58$30 $39$41 $53
59$31 $40 $43 $56

60 – 69 Pricing for 10,000 Whole Life Insurance Policy Quotes

AGE Female Non Tobacco Male Non Tobacco Female Tobacco Male Tobacco
60$32$42$44$59
61$34 $45$46 $62
62$36 $47 $49 $67
63$37 $50 $51 $69
64$39 $53 $53 $72
65$41 $55 $56 $76
66$43 $59 $59 $80
67$45 $62 $63$84
68$48$66 $66 $89
69$50 $70 $70 $94

70 – 79 Pricing for 10,000 Whole Life Insurance

AGE Female Non Tobacco Male Non Tobacco Female Tobacco Male Tobacco
70$53$73$72 $98
71$56 $78 $75 $103
72$60 $82 $79 $109
73$63 $88 $84 $116
74$67$93 $88 $123
75$72 $99 $94 $132
76$78 $106 $101 $141
77$83 $113$108 $150
78$88 $119 $115 $160
79$93 $126$123 $166

80 – 89 Pricing for 10,000 Whole Life Insurance

AGE Female Non Tobacco Male Non Tobacco Female Tobacco Male Tobacco
80$98 $132 $126 $172
81$106 $143$145$190
82$113$153$156 $204
83$121$163$168 $219
84$128 $173$178 $237
85$135$183$189$257
86$174$220 $206$281
87$186$242$220 $305
88$198$264 $235 $328
89$210$285 $250$351

Do not Buy Term Life Insurance

Term terminates to make it simple, this type of coverage is for replacement of income or covering a mortgage which is why when the term length expires the coverage with double or triple in price if you were to try and renew the coverage.

It is not permanent which means it is not reliable for something as certain as paying for a funeral.

10,000 Life Insurance for Seniors Q&A

How Much is a 10000 Life Insurance Policy Per Month?

Rates are based on age, health, lifestyle, and gender. This means accurate pricing is going to range between $50 – $200 a month. Now for a senior born on 2/2/1950 non-smoker male in perfect health for a 10,000 whole life insurance policy, the monthly premium would be $88.73 a month.

What is the Cash Value of a $10000 Life Insurance Policy?

The cash value depends on the policy and the insured. You can request a cash value illustration from your agent or the insurance carrier that provides the policy.