For over a decade, Burial Senior Insurance has helped seniors and families nationwide plan ahead with honest, affordable final expense coverage — no medical exams, no waiting periods, and no pressure. Our licensed agents guide you to the plan that fits your budget and your family’s needs.
Families Protected
Average Client Rating
Top-Rated Carriers
Average Approval Time
30+
years helping families plan ahead
High risk life insurance is designed specifically for individuals who face higher-than-average mortality risks due to pre-existing health conditions, dangerous occupations, or high-risk hobbies. Where standard insurance policies might reject your application, high-risk plans provide specialized coverage options.
The policy guarantees a cash benefit paid directly and tax-free to your family upon your passing, ensuring that your loved ones are financially protected against funeral costs, unpaid debts, and lost income.
Having health issues or a risky lifestyle shouldn’t stop you from securing your family’s financial future.
Funds funeral arrangements, caskets, burial plots, and service fees.
Pays off mortgages, personal loans, and accumulated medical bills.
Replaces lost earnings to help your family maintain their standard of living.
Secures permanent coverage even if you were previously declined by other companies.
Tailored for individuals with heart disease, diabetes, cancer history, or organ transplants.
Cash benefit is delivered directly to your chosen loved ones without tax deductions.
Explore the specialized policy structures available based on your specific health or lifestyle risk factor.
Specialized final expense options designed for individuals living with HIV, offering reliable financial protection for end-of-life costs.
Designed to take care of full burial services, viewing ceremonies, plus extra cash for small unpaid debts.
Provides maximum protection for seniors who wish to clear larger bills while leaving a modest financial gift for family.
Built for seniors with pre-existing health concerns who need guaranteed coverage with zero health qualifications.
Built for individuals who have struggled to find affordable coverage elsewhere.
Older adults managing diabetes, hypertension, or past surgeries.
Anyone who has been turned down by standard insurance companies.
Construction personnel, law enforcement, firefighters, and industrial operators.
Individuals active in motorsports, aviation, or deep-sea diving.
Parents needing income replacement regardless of health status.
Forward-thinking individuals securing peace of mind on competitive terms.
Being labeled “high risk” by a traditional insurance company does not mean you are uninsurable. Standard carriers often use broad rules that reject applicants with past health challenges or risky jobs, but specialized clinical underwriters review your profile individually to find a plan that works.
Whether you choose a clinical whole life policy or a guaranteed issue plan, locking in coverage ensures your family is shielded from financial hardship. Rates stay fixed for life, and your policy will never decrease in value or cancel due to future health changes.
Practical protection designed to overcome underwriting hurdles.
Match with carriers who specialize in your specific risk profile.
Fixed lifetime premiums that will never increase over time.
100% approval options available with zero medical questions.
Beneficiaries receive proceeds without federal income tax burdens.
Funds cover funeral fees, loans, and family living expenses.
Whole life coverage lasts for your entire lifetime as long as premiums are paid.
(800) 718-4568
Our clinical approach makes finding high-risk coverage clear and stress-free.
1
Provide information about your health history, occupation, or hobbies.
2
We search top high-risk underwriters to find your best rate.
3
Select between clinical underwriting or guaranteed no-exam approval.
4
Pay your first monthly premium to activate permanent protection.
Estimated monthly premiums for a $10,000 whole life policy based on age and general risk tier.
|
AGE
|
FEMALE RATE
|
MALE RATE
|
|---|---|---|
|
55
|
$24/mo
|
$29/mo
|
|
60
|
$29/mo
|
$36/mo
|
|
65
|
$37/mo
|
$46/mo
|
|
70
|
$48/mo
|
$61/mo
|
|
75
|
$68/mo
|
$87/mo
|
Rates shown are sample estimates only and not a guarantee of coverage or price.
We connect you with clinical underwriting specialists to get you approved at the most affordable rate possible.
We know which insurance companies view specific health or job risks most favorably.
Shop through dozens of top-rated, financially strong insurance companies.
Honest, respectful guidance focused on your long-term budget.
Streamlined support from application submission through policy approval.
Start with a few basic details — takes less than a minute.
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Or Call: (800)-718-4568
Answer a few quick questions and one of our licensed agents will help you compare real quotes from top-rated carriers — no obligation, no pressure.
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High risk includes severe pre-existing medical conditions (like heart failure, stroke, or diabetes), hazardous jobs (like mining or offshore drilling), or dangerous hobbies (like skydiving).
Yes! Many standard carriers decline policies that specialized high-risk insurers routinely approve. Guaranteed acceptance options also ensure 100% approval.
Rates may be slightly higher due to increased risk, but working with a high-risk specialist ensures you get the absolute lowest rate available for your situation.
No. While clinical plans may review doctor records, you can also select Guaranteed Issue plans that require zero medical exams and zero health questions.
No. Once your policy is approved, your monthly rate is locked in permanently and will never increase due to age or deteriorating health.
Have Any Questions? Ask us anything — we’d love to answer!
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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