Loran Marmes

Getting affordable burial insurance with arthritis is not a problem, in fact it is very easy.

Compare rates by entering your information on the quote tool on this page or give us a call at 844-528-8688.

Burial Insurance with Arthritis: If you are a senior who is currently shopping for an affordable burial insurance plan but are concerned that your arthritis may affect the cost of your burial insurance, this article will provide you with the information you need to obtain low-cost burial insurance with arthritis.

Most seniors think differently than the younger generations. Today, most seniors refuse to leave final expenses like funeral and burial costs to surviving loved ones.

Most are adamant about making sure that their children and grandchildren are not burdened with the decision making or financial arrangements when their time finally arrives.

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Will Arthritis impact My Burial Insurance Rates?

The cost of Burial Insurance with Arthritis

Insurance companies that sell burial insurance policies know that most people who apply for coverage are between 50 and 85 years old. Therefore they have liberalized their underwriting guidelines to accommodate applicants with many common health conditions.

Arthritis is one of those conditions that are unlikely to be an issue that will cause an increase in rates or cause a waiting period to be imposed before the policy will pay its full benefit.

If your arthritis is so severe that it affects your daily living and prevents you from dealing with daily activities like bathing, dressing, taking meds, eating, or toileting and you require assistance from home health care, you’ll likely have to deal with higher rates, less coverage, and a two-year waiting period.

Cost of burial insurance with arthritis

The cost of Burial Insurance with Arthritis

With any type of life insurance, rates are calculated based on the applicant’s age, health, type of insurance, and the death benefit being purchased. When a senior who is applying for burial insurance qualifies for a standard rating or level benefit first-day coverage, burial insurance can be very affordable.

Here are the most affordable rates for level benefit burial insurance for a male non-smoker:

Applicant’s Age $10,000 $20,000 $30,000
50 $30.51 $56.39 $82.27
55 $35.95 $68.69 $99.50
60 $43.76 $84.32 $124.88
65 $55.94 $106.61 $158.58
70 $73.31 $141.99 $210.67
75 $100.15 $195.67 $291.20
80 $139.73 $276.26 $412.78
85 $192.74 $382.27 $571.81


To get a quote for your preferred death benefit that is based on your actual age, jump over to our instant burial insurance quoter on the right side of this page.

Here are the most affordable rates for level benefit burial insurance for a female non-smoker:

Applicant’s Age $10,000 $20,000 $30,000
50 $24.31 $45.41 $66.51
55 $27.71 $52.51 $76.71
60 $32.87 $62.53 $92.20
65 $41.01 $78.82 $116.63
70 $53.24 $102.38 $153.31
75 $72.41 $141.62 $210.82
80 $98.43 $193.66 $288.89
85 $135.90 $268.60 $401.30


To get a quote for your preferred death benefit that is based on your actual age, jump over to our instant burial insurance quote tool on the right side of this page. →→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→

If you don’t medically Qualify for Level Benefit Burial Insurance

If your arthritis is so severe that you require home health services because you cannot deal with activities of daily living or you have another health condition that disqualifies you from getting level benefit first-day coverage, we can still get you covered.

Applicant’s who have severe medical conditions, or multiple medical conditions may not qualify for level benefit burial insurance. When that happens, we will find you the best rate possible for guaranteed issue burial insurance.

Yes, the rates are higher, and there will be a two-year waiting period before the insurance company will pay the full death benefit if you die of natural causes (accidental death is covered on the first day). Guaranteed issue burial insurance is the only option.

Here’s what your rates would like for a $10,000 burial policy for a male or female non-smoker. Remember, your health is not a factor whatsoever.

Age of Applicant Male Non-Smoker Female Non-Smoker
50 $44.09 $34.47
55 $56.90 $43.23
60 $63.17 $50.02
65 $84.15 $61.57
70 $98.18 $74.52
75 $138.55 $107.17
80 $246.44 $175.42
85 $315.82 $199.06


Remember, guaranteed issue burial insurance plans will not pay the full death benefit if death occurs within the waiting period and is the result of natural causes. Instead, the insurance company typically would pay 110% of the total amount of premium paid on the policy at the time death occurs.

How much Burial Insurance should I Buy?

Since burial insurance plans are purchased to cover the costs of the insured’s funeral and burial, it makes sense that you buy enough burial insurance to cover at least those costs. You can certainly buy more coverage if you want to leave money for other final expenses like unpaid medical or nursing home expenses.

Or, you can buy less coverage if there will be other resources available to your surviving loved ones to pay these expenses. Since the median cost of a funeral and burial is between $8,000 and $10,000, we recommend that applicants purchase at least a %10,000 policy.

Facts about Arthritis

Arthritis is an inflammation of the joints and can affect them throughout your body. Arthritis can affect one joint or multiple joints at a time.

Today, there are more than 100 distinctive forms of arthritis, with different causes and treatment methods. The two most common types of arthritis are osteoarthritis (OA) and rheumatoid arthritis (RA).

The symptoms associated with arthritis generally develop over time; nevertheless, they can also appear all of a sudden.

Arthritis is more commonly found in adults age 65 and older; however, it can also be diagnosed in children, teens, and younger adults. Arthritis is more prevalent in females than males and in individuals who are at an unhealthy weight.

Joint pain, swelling, and stiffness are the most prevalent symptoms of arthritis. For most seniors, their range of motion may also diminish and may experience inflammation of the skin around the affected joint.

Most people with arthritis notice their symptoms are more painful in the morning but subside somewhat throughout the day.

Treatment for arthritis

Common Treatments for Arthritis

Depending on how severe your arthritis is and the resulting pain involved will determine the best treatment and management of the condition.

The more common treatment is with medication that will help the inflammation and pain associated with arthritis such as:

  • Analgesics such as Vicodin (hydrocodone) or Tylenol (acetaminophen).
  • Nonsteroidal anti-inflammatory drugs (NSAIDs) like Advil (ibuprofen) and Salicylates.
  • Menthol or capsaicin creams that can block the transmission of pain signals from your affected joints.
  • Immunosuppressants such as cortisone or prednisone.

When arthritis symptoms become so severe that the patient loses mobility, surgery may be the better option, especially when for hips and knees.

Many physicians recommend physical therapy or yoga exercises to strengthen the muscles surrounding the afflicted joint as a means of pain relief as well.

If you have more nagging pre-existing conditions, you can read our complete guide HERE.

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About the Author


Loran Marmes headshotMy name is Loran Marmes and I am the owner of MyBurialInsurancePlan.com. I would like to explain why we are your best option when it comes to Life Insurance. We are an Independent Agency and we contract with all of the top-rated carriers in the country so we can offer you products and pricing tailored to your needs and budget. After a four-year tour of duty, I went into the printing business and enjoyed meeting with clients and helping them solve printing-related business issues. After years of 12-hour days in the printing business, I got my Health and Life Insurance license and decided to specialize in Life Insurance because I have seen first hand what happens to a family when the main breadwinner dies without any coverage. My intentions will always be to put your needs first so that I can deliver solutions that will accommodate your circumstances and your budget.