Burial and Life Insurance age 76 The Truth

If you are shopping for life insurance coverage at age 76 now is the time to get covered immediately. It does not matter if you are age 70, age 75, or age 80. The longer you wait the more expensive premiums get and fewer companies offer coverage.

The bottom line is that the best life insurance for seniors age 76 is burial insurance also known as final expense whole life insurance. These types of policies last over the long term to make sure your family is protected from any burial expenses or debts you leave behind.

We specialize in burial insurance for seniors to make sure they have the right coverage that will provide a quick death benefit for their family to use to pay for any final expenses.

In this article, we will cover how simple it is to qualify who the best companies are and provide some sample pricing.

To see quotes fill out the form to your right and speak with one of our agents.

You find our guides for ages 80 and 60 here. Also learn about how we get coverage for parents, siblings and other family members.

Qualifying for Burial and Life Insurance age 76

First and foremost, these are simplified issue plans. This means that there are no medical exams required to qualify for coverage. All you have to do is answer the carrier’s health questions with your agent and as long as your prescriptions are mild and match up with your answers to the health questions according to your MIB and script check you will be approved in 30 minutes or less.

That is how simple it is to get coverage, we help 90% of our clients get immediate coverage with no waiting period.

Term Insurance is not Good for Seniors

The reason we do not recommend term life insurance as a good option for seniors is that term terminates. The term cannot stay with an insured past age 90 not to mention the premium increasing over time as the policy renews itself if you can still qualify. This means if you are age 76 you have less than 15 years until your term expires and if you outlive it your family gets nothing.

Individuals in Poor Health Still qualify for Burial Insurance

If you fall into the 10% category of unhealthy individuals who cant get coverage without a waiting period you can still get a guaranteed issue life insurance policy. These plans have no health questions and do have a 2-year waiting period.

In addition to this, there are living benefits with our GI plans if you get diagnosed with a terminal illness due to health issues the guaranteed issue plan we can help you get will allow you to borrow from the face amount to use alongside your health insurance to offset costs.

That is why our carriers have such high life insurance ratings among consumers.

To see pricing and speak with one of our agents fill out the form to your right.

Burial and Life Insurance Benefits

A lot of consumers we talk to experience their life insurance premiums increase over time or the death benefit decreasing and this is very common among products like term life insurance.

With burial life insurance for age 76 and seniors in general this will not happen.

The benefits are as follows:

  • Rate Lock – Premium Never Increase
  • Level Death Benefit – Death Benefit Never Decreases
  • Tax-Free Cash Payout
  • Cash Value – Extra savings that build in the policy you can borrow against

Once you purchase your policy the premium will never increase. This is why the younger you start your policy the better the price will be. As you get older the premiums get more expensive.

This means getting your whole life insurance as early as you can to lock in your best rate.

Best Burial and Life Insurance Companies age 76

Below are the best burial and life insurance companies for seniors.

Burial and Life Insurance Age 76 Quotes Sample Rates

Below is some sample quotes for final expense life insurance at age 76 directly from our quoting tools. These life insurance companies provide the best whole life final expense insurance rates for age 76 and over. Burial insurance in your 70’s is very affordable and there are no medical exams to qualify just health questions and medical history prescription checks. This means it is simple to get approved for funeral insurance at age 76 depending on your health.

Burial Insurance Quote Samples Rates for Age 76 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
76$99.97$132.48$72.41$94.42Mutual of Omaha, Aetna, Gerber, AIG, American Amicable, Prosperity Life, Liberty Bankers Life, Sentinel Security Life,Guarantee Trust Life, Great Western Insurance Company

Life Insurance Age’s We Have Covered

We have covered each individual age when it comes to final expense life insurance for seniors and younger adults. You will links to our other comprehensive articles for each individual age.


how much is life insurance for a 76 year old?

Based on Mutual of Omaha’s rates, whole life insurance for a 76-year-old male is $107.04 a month for $10,000 in coverage. This is based on a male non smoker with a birth date of 2/2/1946.

can a 76-year-old man get life insurance?

Yes, We recommend whole life insurance for age 76.


The best life insurance for age 76 is final expense whole life insurance. This is what is marketed as burial insurance for seniors. It is permanent coverage that will never expire and provide peace of mind to your family when you die.

It will protect them from any financial burden from your final expenses. You can also use the coverage to leave behind extra money for your family or whatever you want them to do with it. As long as your premiums are paid you will never see a premium increase and the policy’s death benefit stays level forever.

The simplified underwriting makes these policies easy for seniors with health impairments to qualify especially for coverage with no waiting period.

Work with ParamountQuote allow us to earn your business and get you covered today.

Fill out the form to your right to get started.