Final expense premiums for $10,000 of coverage typically run $20 to $35 a month in your late 40s and 50s, climbing to $60-$150+ a month in your 70s and 80s. Age at application is the single biggest factor, followed by tobacco use and health class. A 55-year-old non-tobacco applicant pays around $41 a month for $10,000, the figure Guy Jean quotes on his own site.
Illustrative monthly premiums for a non-tobacco applicant in average health. Your real number depends on your health class and the carrier that approves you.
| Age | Female, non-tobacco | Male, non-tobacco |
|---|---|---|
| 50 | $24/mo | $28/mo |
| 55 | $31/mo | $36/mo |
| 60 | $38/mo | $45/mo |
| 65 | $48/mo | $58/mo |
| 70 | $64/mo | $79/mo |
| 75 | $89/mo | $112/mo |
Sample rates for illustration only, not a quote. Tobacco use, health conditions and the carrier that approves you move these numbers in either direction. Request your own numbers to see what you actually qualify for.
A tobacco user typically pays 30-60% more than a non-tobacco applicant at the same age for the same coverage amount.
Most final expense plans use a short health questionnaire instead of a medical exam. Diabetes, COPD and recent hospitalizations can move you to a graded or guaranteed-issue plan at a higher price.
Final expense policies usually run $5,000 to $40,000. Premium scales roughly in proportion, so doubling your coverage roughly doubles your monthly payment.
No. Final expense is a form of whole life insurance, so once you're approved the premium is locked for as long as the policy stays in force. It never rises with age or a change in your health.
You likely still qualify, usually through a graded-benefit or guaranteed-issue plan rather than the lowest standard rate. Guy Jean compares carriers to find the best price for your actual health profile instead of quoting one company's worst-case rate.
Most carriers Guy works with write final expense policies between $2,000 and $40,000. Most families land between $8,000 and $15,000, enough to cover a funeral and the bills that show up in the weeks after.
No. Final expense applications use a short health questionnaire, not a paramedical exam. Most decisions come back within days.
Guy Jean compares real offers across carriers and explains what fits before you decide anything. No pressure, no obligation.
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