Can One Purchase Burial Insurance For Elderly Parents? 
At age 90 , you likely wo n't find any carriers offering final expense insurance - most carriers only offer life insurance policies up to either age 80 , 85 , or 89 . Typically the carriers that offer insurance beyond age 85 will likely require full underwriting with an exam and feature a higher minimum amount of coverage -LRB- e.g. $ 25,000 -RRB- . You may have the option to backdate the coverage to age 89 if their date of birth was within the last 6 months - when backdating , you 're paying the premiums from the date the policy is backdated to . Having said all that , it 's important to consider cost factors . A life insurance policy on someone in their late 80 's will likely be paid up in 3-4 years . This is because the person is already living beyond normal life expectancy and therefore the likelihood of a claim happening sooner than later is much higher -RRB- . Another option to consider if traditional life insurance programs are not available/affordable , you can look into pre-need funeral insurance . It may be an opportune time to look into securing coverage for yourself if you do n't have any coverage in force or need to secure a higher amount/longer term period . If I can be of further assistance , please feel free to contact me . Thanks very much . 