Company Reviews
Not every burial insurance company is worth your time. Some rely on TV ads and glossy mailers to reach seniors — and their policies often come with rising premiums, small payouts, and fine print that matters. We review the most heavily marketed companies so you know what you are actually buying before you commit.
Our Verdict: Use Caution
Colonial Penn
The “$9.95 a month” plan sounds affordable until you realize you’re buying “units” of coverage, not a fixed dollar amount. A 70-year-old buying $9.95/month gets roughly $700 in coverage — not $9,995. Premiums also rise as you age.
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Our Verdict: Mixed
AARP / NY Life
The AARP brand carries trust, but the underlying NY Life policy has term-based pricing that increases every five years. Rates that start competitive at 65 become expensive by 75. We break down exactly who this plan makes sense for — and who should look elsewhere.
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Our Verdict: Use Caution
Globe Life
Globe Life direct-mail offers are everywhere, but the “$1 for the first month” price jumps quickly. Coverage amounts are low, premiums increase with age, and policies frequently lapse. We walk through their actual policy terms so you can compare apples to apples.
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Our Verdict: Mixed
TruStage
TruStage (formerly CUNA Mutual) targets credit union members and often sounds like an exclusive benefit. The guaranteed issue option is legitimate, but pricing can run higher than comparable plans from independent carriers. We look at who benefits most and who is overpaying.
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How we evaluate these companies
Every review on this site is written by a licensed agent who has actually placed clients with these carriers — or helped clients avoid them. We look at four things:
Actual premium cost
What does a real 65, 70, or 75-year-old pay? Not the teaser rate — the real one.
Rate stability
Do premiums increase over time, or are they locked? This is the most commonly misunderstood feature.
Waiting periods
Is there full coverage from day one, or a 2-year graded period? Many ads don’t mention this.
Claims reputation
Does the company pay claims promptly and without hassle? We look at AM Best ratings and complaint data.
Want to see what a top-rated carrier actually costs?
We work with 25+ A-rated carriers — the ones that offer locked premiums and full coverage from day one. One call or quote gives you real numbers to compare.