Company Reviews
Company Reviews
Every review here is written by a licensed agent who has actually placed clients with these carriers — or helped clients avoid them. Find a carrier below, see our verdict, and know what you’re really buying before you commit.
Carrier reviews, with our verdict
Not every burial insurance company is worth your time. Filter by our verdict or search a carrier to jump straight to the honest breakdown.
Mutual of Omaha
An A-rated favorite for level, day-one coverage. We break down where its rates win — and where they don’t.
Read full reviewAetna (Accendo)
Competitive day-one whole life through Accendo. Here’s who gets Aetna’s best pricing.
Read full reviewAmerican Amicable
Several day-one products and flexible health questions. Who qualifies, and for how much.
Read full reviewRoyal Neighbors
A fraternal with strong day-one options across many health profiles. The details that matter.
Read full reviewForesters Financial
Day-one coverage plus member perks. We look at the rates and the fine print behind the extras.
Read full reviewGTL (Guarantee Trust Life)
Useful day-one products that fit specific situations. Where GTL is worth a serious look.
Read full reviewAFLAC
A trusted name with a competitive final expense option. How its coverage and rates compare.
Read full reviewGerber Life
A recognizable brand with day-one options worth considering. The coverage details that matter.
Read full reviewAAA Final Expense
The AAA name carries trust, but the policy details decide the value. The honest breakdown.
Read full reviewTransamerica
A large carrier with mixed final-expense value. What to check before you apply.
Read full reviewAARP / NY Life
Trusted brand, but the NY Life policy uses term pricing that rises every five years. Who it fits — and who should look elsewhere.
Read full reviewTruStage
The guaranteed-issue option is legitimate, but pricing can run higher than independent carriers. Who benefits, and who overpays.
Read full reviewColonial Penn
The “$9.95 a month” plan sells units, not a fixed payout — a 70-year-old gets roughly $700, not $9,995. Premiums rise with age.
Read full reviewGlobe Life
The “$1 first month” offer climbs fast. Coverage is low, premiums increase with age, and policies often lapse.
Read full reviewSenior Life
Heavily marketed with agent-driven sales. What to confirm about the policy terms before you sign.
Read full reviewTry another spelling, or browse by verdict above.
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How we evaluate these companies
Every verdict comes from a licensed agent who has placed real clients. We weigh four things that decide whether a policy is worth it.
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 climb as you age, or are they locked for life? The most misunderstood feature.
Waiting periods
Full coverage from day one, or a 2-year graded wait? Many ads never mention it.
Claims reputation
Does the carrier pay promptly and without hassle? We weigh AM Best ratings and complaint data.
Compare the carriers that actually made our list
No medical exam. No pressure. See real numbers from the A-rated carriers we’d put our own families with.