CSG Actuarial has ranked Final Expense Life hot insurance companies by the lowest monthly premium for a 65 year old, non-tobacco female with a $10,000 Graded death benefit plan.  Graded death benefit Final Expense Life insurance is defined as an individual modified whole life policy with a death benefit that will increase as the policy ages. Policy holders are paid a specific percentage of the death benefit during year one. The percentage increases in subsequent years and most policies reach a level death benefit by the fourth year.

1.New Era Life
3.Reserve National
4.Bankers Fidelity