Final expense insurance typically costs between $30 and $120 per month. Your exact price depends on your age, the coverage amount, your health, tobacco use, and your state. A healthy 60-year-old might pay around $40 a month for $10,000 in coverage; the same plan costs more at 75.
Example monthly rates for $10,000 of coverage
Example monthly rates for $10,000 of coverage. Illustrative only, not a quote. Your rate depends on age, health, tobacco use, and state.
| Age | Female (non-tobacco) | Male (non-tobacco) |
|---|---|---|
| 50 | $29 | $36 |
| 60 | $41 | $52 |
| 70 | $67 | $88 |
| 80 | $121 | $158 |
Source: illustrative carrier ranges, 2026. Request a personalized quote for exact pricing.
What changes your rate
Age is the biggest factor, followed by tobacco use and coverage amount. Health questions can move you between plan levels, which affects price.
Because Karen Whitfield is independent, she can quote several carriers and find the lowest rate you actually qualify for.