Final Expense Insurance
Final Expense Insurance In Rhode Island
Compare 25+ carriers serving Rhode Island residents. Indicative pricing, honest guidance, no spam.
Carriers offering final expense in Rhode Island
A representative sample of partner carriers licensed in Rhode Island. Final pricing depends on age, health, and coverage amount; the calculator returns personalized quotes from each eligible carrier.
Mutual of Omaha
Level · Ages 45–85
A+ rated by A.M. Best
Aetna
Level · Ages 45–89
No medical exam
Transamerica
Level · Ages 45–85
Up to $50K coverage
Foresters Financial
Level · Ages 45–85
Fraternal benefits
Royal Neighbors of America
Level · Ages 45–85
Member benefits
Globe Life
Level · Ages 45–80
Direct-to-consumer available
American Home Life
Level · Ages 45–85
Specializes in senior whole-life
Liberty Bankers
Graded · Ages 45–80
Available for moderate health conditions
Gerber Life
Graded · Ages 45–80
Trusted family brand
Aflac
Graded · Ages 45–80
Recognized brand
AIG
Guaranteed Issue · Ages 45–85
No health questions
Lincoln Heritage
Guaranteed Issue · Ages 45–85
Funeral Advantage program
Colonial Penn
Guaranteed Issue · Ages 50–85
Famous AARP-branded plan
How much does burial insurance cost in Rhode Island?
Indicative monthly cost for a Rhode Island resident purchasing whole-life final expense coverage with no waiting period. Scroll right to see higher coverage amounts.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $11.88/mo | $23.75/mo | $35.63/mo | $47.50/mo | $59.38/mo | $118.75/mo |
| 55 | $14.87/mo | $29.74/mo | $44.61/mo | $59.49/mo | $74.36/mo | $148.71/mo |
| 60 | $18.62/mo | $37.25/mo | $55.87/mo | $74.49/mo | $93.12/mo | $186.24/mo |
| 65 | $23.32/mo | $46.65/mo | $69.97/mo | $93.29/mo | $116.61/mo | $233.23/mo |
| 70 | $29.21/mo | $58.42/mo | $87.62/mo | $116.83/mo | $146.04/mo | $292.08/mo |
| 75 | $36.58/mo | $73.16/mo | $109.73/mo | $146.31/mo | $182.89/mo | $365.78/mo |
| 80 | $45.81/mo | $91.61/mo | $137.42/mo | $183.23/mo | $229.03/mo | $458.07/mo |
| 85 | $57.37/mo | $114.73/mo | $172.10/mo | $229.46/mo | $286.83/mo | $573.65/mo |
Indicative monthly premiums for female, non-tobacco. Real pricing depends on full underwriting.
| Age | $5,000 | $10,000 | $15,000 | $20,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|---|
| 50 | $14.49/mo | $28.98/mo | $43.46/mo | $57.95/mo | $72.44/mo | $144.88/mo |
| 55 | $18.14/mo | $36.29/mo | $54.43/mo | $72.57/mo | $90.72/mo | $181.43/mo |
| 60 | $22.72/mo | $45.44/mo | $68.16/mo | $90.88/mo | $113.60/mo | $227.21/mo |
| 65 | $28.45/mo | $56.91/mo | $85.36/mo | $113.82/mo | $142.27/mo | $284.54/mo |
| 70 | $35.63/mo | $71.27/mo | $106.90/mo | $142.53/mo | $178.17/mo | $356.34/mo |
| 75 | $44.62/mo | $89.25/mo | $133.87/mo | $178.50/mo | $223.12/mo | $446.25/mo |
| 80 | $55.88/mo | $111.77/mo | $167.65/mo | $223.54/mo | $279.42/mo | $558.84/mo |
| 85 | $69.99/mo | $139.97/mo | $209.96/mo | $279.94/mo | $349.93/mo | $699.85/mo |
Indicative monthly premiums for male, non-tobacco. Real pricing depends on full underwriting.
Average funeral cost in Rhode Island
Final expense coverage is most often used to cover end-of-life costs. Knowing the typical bill in your state helps you size your policy.
Traditional burial
$8,715
Includes services, casket, vault, and burial plot.
Cremation
$6,101
Includes services and basic urn. Cheaper than burial in most states.
Estimates derived from National Funeral Directors Association published averages with regional variance.
Rhode Island free-look period
Like every state, Rhode Island requires insurers to honor a free-look period — typically 10–30 days from policy delivery. Within that window you can cancel for any reason and receive a full refund. The exact window depends on your carrier and policy type. Your licensed agent will confirm before you sign.
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