While You Wait
Why Final Expense Rates Climb Fast
Final expense premiums are age-driven. The longer you wait, the more you pay — every year, for the rest of your life. The numbers below show what a typical $10,000 simplified-issue policy costs by age, based on FL carrier rate cards as of 2026.
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The Cost of Waiting
Every year you wait, your premiums go up. Here is what a typical $10,000 final expense policy costs by age.
*Estimates based on a non-smoking female in average health. Actual rates vary by carrier and health status.
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The rate you qualify for today is the rate you'll keep for life. A 5-year delay can cost you $30+/month for the rest of your life — over $10,000 in total premium difference.
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