Burial & Life Insurance for 74 Year Old’s Pricing Table Included

Shopping for life insurance and burial insurance at age 74 or age 75 can seem complicated but it is not. We specialize in burial insurance for seniors to help you get the information you need.

First, always remember that burial insurance is supposed to be whole life insurance or final expense life insurance. This is true burial insurance that provides a quick payout of the death benefit so your family does not have to pay for your funeral. This type of life insurance coverage is designed specifically for paying funeral expenses.

In this article, we will cover everything you need to know about burial insurance at age 74.

Avoid Term Life Insurance at age 74

First, make sure you avoid term life at your age like the plague. Term terminates and expires at age 80 so if you are 74 or any age within 70 a term policy will only last you 15 years then it will expire and your family is in trouble. It is not long-term coverage.

You need whole life insurance for burial insurance period.

Can I get Life Insurance at Age 74?

Yes, you can get life insurance at age 74 even if you have health issues you can still get coverage because the beauty about burial insurance is no one can be denied regardless of health. We work with final expense companies that are very liberal on their underwriting. This is how we maintain a 90% approval rating for immediate coverage with our clients.

Now if you fall into the 10% of clients that cannot get immediate coverage with no waiting period we can still get you guaranteed issue life insurance that will have a 2-year waiting period. In addition to this whether its immediate coverage or a guaranteed issue we have carriers that offer living benefits with their policies. This means that if you have coverage with us if you get sick with a terminal illness due to health conditions you can use the life insurance money along with your health insurance.

This type of life insurance for seniors allows you to borrow from the cash benefit of the policy. That is just 1 reason why our carrier’s life insurance ratings are so high among consumers. This is why it is imperative that you work with an independent agent like us with access to all the major life insurance companies nationwide.

To see quotes on burial and life insurance companies fill out the form to your right and get in contact with one of our agents.

Burial Life Insurance Quotes Sample Rates Age 74

Below are sample life insurance quotes from one of our best burial and funeral insurance companies. Mutual of Omaha and several others are included in the table below that provide final expense life insurance for age 74. The life insurance companies we work with provide the lowest rates for whole life final expense life insurance for all age groups across the board. These life insurance quotes are pulled directly from our software to give you the most accurate idea on funeral insurance at age 74’s pricing.

Burial Insurance Quote Samples Rates for Ages 72 – 74 Sample Life Insurance Quotes
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
74$89.46$116.69$63.55$84.14Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company

Qualifying for Burial Insurance age 74

To qualify is very simple, as long as you answer no to all of the health questions on the application for whichever company our agent will recommend for you and your medications are small like simple blood pressure medications then you will receive instant approval right over the phone within 30 minutes.

The Agent is a Field Underwriter

Your agent will ask you a comprehensive series of health and lifestyle questions in order to help pre-qualify you and isolate the best life insurance company for you. They are also your advocate submitting the application on your behalf. This means your agent is also giving you a vote of confidence to the carrier assuring them that you qualify.

So for example if you have COPD diagnosed over 2 years ago and have no inhalers prescribed or that you are currently taking. Then our agent will recommend American Amicable for immediate coverage unless you have other serious health issues coupled with COPD like CHF. If you don’t and it is just the COPD from 2 years ago then American Amicable will give you immediate coverage with no waiting period.

This is our high level of training that is second to none in the industry.

Fill out the form to your right to see pricing on burial insurance and speak with one of our agents.

Best Burial and Life Insurance Companies age 74

Best Term Life Insurance Companies for 74 Year Old’s & Average Cost

If you are 74 years old the longest term life length you can get is a 15 year term policy. On average a term life policy for 74 year old’s is going to cost between $310 – $400 monthly for a male non smoker. A 74 year old female non smoker is going to pay between $210 – $310 on average monthly.

Best Term Life Companies at Age 74

  • Pacific Life
  • Ameritas
  • Legal & General
  • Transamerica
  • Protective
  • Americo

Prudential life insurance is not available to you if you are 74 years old.


Burial Insurance is the best type of life insurance for seniors age 74. It provides a quick cash payout upon receiving a certificate of death and protects your family from any kind of financial burden. This is the perfect type of insurance for seniors and does not require a medical exam or anything like that to qualify.

To get the right the best coverage that fits your needs and budget you must work with an independent broker like us with access to more than 15 different life insurance companies so our agents can shop the market for you and find the perfect policy that fits you and your individual needs. We do not take a “one size fits all approach.”

In addition to this, the life insurance will payout when you die and your family will have a check-in hand ready to pay for your funeral and relieve themselves of any kind of financial burden. This is true peace of mind for your family.