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Finding burial insurance for seniors over 85 can feel challenging, but coverage is still possible. Many families look for a small, reliable plan at this age to handle funeral or cremation costs. Even though choices are limited, guaranteed-issue policies offer an easy way to secure protection. These plans are simple to qualify for and help families avoid sudden financial stress.
At age 85 and beyond, most people want to remove financial pressure from their loved ones. Funeral costs in the U.S. can range from $8,000 to $12,000, and many families are not prepared for that. Burial insurance for seniors over 85 provides a modest payout to cover:
It ensures your family can focus on healing, not financial worries.
Most insurance companies stop offering new policies after age 85. However, some providers still offer guaranteed-issue burial insurance, which:
These plans usually include:
Even with these limits, burial insurance for seniors over 85 remains one of the simplest ways to secure final-expense coverage
Premiums vary based on age, gender, and coverage amount. Below are common monthly ranges:
Although premiums increase with age, these plans still offer valuable support during difficult times.
These policies are part of our complete Texas burial insurance solutions for seniors.
Burial insurance for seniors over 85 is ideal for those who:
Even if health has declined, guaranteed-issue plans remain open and accessible.
When reviewing burial insurance for seniors over 85, focus on:
Most people choose enough coverage to match basic funeral costs.
Yes. Burial insurance for seniors over 85 is available through guaranteed-issue plans. These require no medical exam and approve most applicants.
Most seniors over 85 can get $5,000 to $10,000 in coverage, which is enough to cover basic funeral or cremation costs.
Yes. Most plans include a two-year waiting period. If death occurs during this time, premiums are refunded with interest.
Premiums typically range from $95 to $200 monthly based on the applicant’s age, gender, and coverage amount.
No. Burial insurance for seniors over 85 does not require medical questions. Approval is based only on age and residency.