California Burial Insurance Price Comparison

Compare rates and features from top-rated burial insurance companies serving California. Find the best coverage for your needs and budget.

Compare Top Burial Insurance Companies

All companies listed are A-rated or higher and licensed to operate in California.

Mutual of Omaha

Rating: A+

Ages 45-85

$2,000-$40,000

$19-89

per month

Key Features

No medical exam
Guaranteed acceptance
Level premiums
Immediate coverage

Pros & Cons

Pros:

Strong financial rating
Competitive rates
Wide age range

Cons:

Lower max coverage than some

Best For

Budget-conscious seniors

Colonial Penn

Rating: A

Ages 50-85

$5,000-$50,000

$15-95

per month

Key Features

Guaranteed acceptance
No health questions
Fixed premiums
Graded benefits

Pros & Cons

Pros:

High coverage amounts
Well-known brand
Simple application

Cons:

2-year waiting period
Higher rates for some ages

Best For

Those wanting higher coverage

Globe Life

Rating: A-

Ages 50-80

$5,000-$50,000

$18-92

per month

Key Features

Whole life coverage
Cash value buildup
No medical exam
Level death benefit

Pros & Cons

Pros:

Cash value component
Stable company
Good customer service

Cons:

Limited age range
Slower cash value growth

Best For

Those wanting cash value

AARP/New York Life

Rating: A++

Ages 50-80

$2,500-$25,000

$16-78

per month

Key Features

AARP member benefits
Simplified underwriting
Level premiums
Immediate coverage

Pros & Cons

Pros:

Highest financial rating
AARP backing
Member discounts

Cons:

Lower max coverage
AARP membership required

Best For

AARP members

Gerber Life

Rating: A

Ages 50-80

$5,000-$25,000

$17-85

per month

Key Features

Guaranteed acceptance
No waiting period
Level premiums
Simple application

Pros & Cons

Pros:

No waiting period
Easy application
Reliable company

Cons:

Lower coverage limits
Limited age range

Best For

Those wanting immediate coverage

American Memorial

Rating: A-

Ages 40-85

$5,000-$35,000

$20-88

per month

Key Features

Wide age range
Flexible coverage
No medical exam
Graded benefits

Pros & Cons

Pros:

Starts at age 40
Flexible options
Competitive rates

Cons:

Lesser known brand
Graded benefit period

Best For

Younger applicants (40-50)

Senior Life

Rating: A

Ages 45-85

$5,000-$30,000

$22-90

per month

Key Features

Guaranteed issue
No health questions
Level premiums
Immediate coverage

Pros & Cons

Pros:

Wide age acceptance
No health questions
Quick approval

Cons:

Higher premiums
Moderate coverage limits

Best For

Those with health issues

United of Omaha

Rating: A+

Ages 45-85

$5,000-$50,000

$18-94

per month

Key Features

High coverage amounts
Competitive rates
No medical exam
Level death benefit

Pros & Cons

Pros:

High coverage options
Strong rating
Competitive pricing

Cons:

Stricter underwriting
Limited simplified issue

Best For

Healthy applicants wanting high coverage

Paul Gipson - Licensed Life Insurance Agent

Need Help Choosing?

Paul Gipson can help you compare burial insurance options and find the best policy for your specific needs and budget. Get personalized recommendations from a licensed California agent.

4.9/5 Customer Rating

Burial Insurance Comparison FAQ

How do I choose the best burial insurance company?

Consider factors like financial rating, coverage amounts, premium costs, age requirements, and underwriting requirements. Paul Gipson can help you compare options based on your specific needs, health status, and budget to find the best fit.

What's the difference between guaranteed issue and simplified issue?

Guaranteed issue policies require no health questions and accept everyone within the age range, but often have waiting periods. Simplified issue policies ask basic health questions but typically offer immediate coverage and better rates for healthier applicants.

Why do burial insurance rates vary between companies?

Rates vary based on each company's underwriting guidelines, claims experience, investment returns, and business model. Some companies specialize in high-risk applicants while others focus on healthier seniors, leading to different pricing strategies.

Can I have burial insurance from multiple companies?

Yes, you can have multiple burial insurance policies from different companies. This can be useful if you need more coverage than one company offers, or if you want to spread your risk across multiple insurers. Just be aware of total coverage limits and disclosure requirements.