Burial & Life Insurance for 71 Year Old Males & Females

If you are wondering, “can I get burial insurance at age 71?” the answer is yes you absolutely can. Affordable burial insurance at your or your loved ones’ age is very simple to obtain.

In this article, we will go over the best life insurance companies for age 71 as well as their underwriting process and the other types of burial insurance you should avoid like the plague.

One of the very first things to understand is that term life insurance is not burial insurance and should never be used as burial insurance.

Term terminates simply put, 90% of consumers outlive their term policies this means there is a huge chance that you will outlive a term policy and your family will be stuck with the bill for your funeral and burial expenses.

So when it comes to final expense life insurance it must be a whole life policy that is guaranteed to pay when you die. Leaving your loved ones with a big financial burden when you die is not what they deserve and this article will help you make an informed decision.

Can a 71 Year Old Get Life Insurance

Yes, a 71 year old can get life insurance for their final expenses. Final expense life insurance is referred to as burial insurance because it is permanent coverage which is a simplified issue of whole life insurance.

This is the best option if you are looking for life insurance for seniors. You can see insurance quotes for all the top carriers nationwide that have the best life insurance coverage. It provides quick death benefits to your loved ones when you die. Burial insurance at age 71 is meant to cover end of life expenses.

Now the amount of coverage for burial insurance is usually smaller then other products like guaranteed universal life insurance but they do not require a medical exam like those other forms of whole life insurance. Most of the time if you take their medical exams at age 70 or older your health conditions can disqualify you.

This is why when you work with an insurance agent like us our agents are specially trained to find 90% of our clients burial insurance with no waiting period.

Individual Ages: 72, 73, 74, 75, 76, 77, 78, 79, 80

Life Insurance Companies for age 71

The best companies that offer coverage for burial insurance at age 71 with the best life insurance rates are as follows below.

The top 4 companies you see on this list can offer coverage with no 2 year waiting period to most applicants even if they have some health issues. We guarantee our clients a 90% approval rating with these carriers even if they have COPD or CHF.

When you work with one of our agents make sure and communicate these health conditions to them so they know exactly which company to pair you with. In addition to this, some of these companies offer living benefits meaning if you get diagnosed with a terminal illness the policy can help pay hospital bills while you are alive.

These are the best companies to buy burial insurance at age 71 for making sure your end of life expenses are paid for. Their policies will cover final expenses. Just make sure you choose the amount equal to your burial.

Simplified Issue Underwriting for age 71

This type of life insurance is simplified issue policies meaning they do have health questions but there is no medical exam required. This is the key difference between day one coverage and guaranteed issue life insurance.

Guaranteed issue life insurance always has a 2 year waiting period no exceptions. Now with the simplified issue, this means the life insurance company is more liberal even if you have some medical issues which make your chance of being approved very high for burial insurance at age 71.

So if you die tomorrow and you have been approved for day one coverage and paid your premiums for only 1 month your funeral expenses will be paid. This would also include accidental death. These companies also offer accidental death riders for additional benefits.

Burial Insurance Age 71 Sample Life Insurance Quotes

Below you will see sample life insurance quotes for age 71 and the available companies for your individual age. These quotes come directly out of our final expense life insurance quoting software this will give you an idea of how much coverage will cost for you for burial insurance at age 71. The younger you are the more affordable final expense insurance at age 71 will be.

In addition to this once you purchase your final expense whole life insurance policy the rate will stay locked in for your life and never increase.

Burial Insurance Quote Samples Rates for Age 71
Age$10,000 Male Non Smoker Sample Quotes$10,000 Male Smoker Sample Quotes$10,000 Female Non Smoker Sample Quotes$10,000 Female Smoker Sample QuotesFinal Expense Companies Available per Age
71$73.15$98.31$53.24$72.18Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company

Term Life Insurance for 71 Year Old’s

There are several companies available that you can buy term life insurance from at age 71. We will list them below however keep in mind they require medical exams. If you have had major medical issues(heart attacks, strokes, diabetic complications, breathing conditions, kidney etc.) you may not qualify for their products.

The longest term life length you can get if you are 71 years old is 15 years. After 15 years the policy will expire. You can elect to renew the policy but the rates will adjust to your new age which means they increase.

Term policies should only be used for protecting mortgages, family income and other asset protection.

Best Term Life Companies for 71 Year Olds

  • Protective
  • Legal & General
  • Transamerica
  • Corebridge
  • Americo
  • Mutual of Omaha


Burial insurance for age 71 is vital to protecting your family when you die. It pays out quickly and provides your family with the peace of mind they deserve and to honor your memory.

The best coverage to get is a whole life insurance policy from the companies we have listed that guarantees your family will be protected. With their instant approval and easy underwriting, you can get a policy within 30 minutes or less.