Final expense insurance · Colorado
Final Expense Insurance in Colorado
Direct cremation in Colorado: $1,650 median — 17% below the national average.
A direct cremation in Colorado has a median cost of $1,650 and an immediate burial $2,565 — 17% and 8% below the national medians, and cheaper than average on every funeral-home charge we measured. Final expense insurance covers those costs with a small whole life policy, usually $5,000 to $25,000, that pays cash directly to your family.
This is our home state. Senior Solutions Insurance works from Greenwood Village, and the licensed agent who calls you back sits in that office.
Funeral costsWhat a funeral costs in Colorado
Medians from 31 Colorado funeral home price lists collected in 2026, beside the national median for each charge ($1,995 cremation, $2,800 burial, $2,195 basic services fee). Funeral-home charges only.
Colorado is cheaper than average on every measure. Cremation at $1,650 is 17% below the national median and burial at $2,565 is 8% below; the non-declinable basic services fee, $1,985, is 10% below. Colorado families generally need less coverage for the funeral home’s bill than the national averages suggest — the cemetery is where the number climbs.
Cemetery costs are separate on every one of these figures. A plot, a vault or grave liner, the opening and closing of the grave and a headstone are billed by the cemetery, not the funeral home, and add $2,000–$5,000 or more. For the full itemized picture, including the FTC rules that protect you when you sit down with a funeral director, see how much a funeral costs.
Final expense rates by age
Final expense rates are set by age, gender, tobacco use and health — not by state. A 70-year-old in Colorado is quoted from the same tables as a 70-year-old anywhere else. The figures below are market averages for $10,000 of simplified-issue coverage, non-tobacco; they are a benchmark, not a quote.
Monthly premium for $10,000 of coverage, non-tobacco, simplified issue
| Age | Women | Men |
|---|---|---|
| 50 | $30 | $38 |
| 55 | $36 | $46 |
| 60 | $42 | $53 |
| 65 | $50 | $66 |
| 70 | $64 | $84 |
| 75 | $87 | $113 |
| 80 | $125 | $164 |
| 85 | $155 | $203 |
Tobacco use typically adds 25 to 30%. Guaranteed acceptance plans, which ask no health questions, run roughly 40 to 80% more and carry a two-year waiting period before the full benefit applies.
See rates for $20,000 and $30,000 of coverage →Estimate your own monthly range →See which health conditions affect approval →
Some of the carriers we represent
We are appointed with these and other final expense carriers. Availability varies by state.
How much coverage Colorado families typically need
- Immediate burial (Colorado median)$2,565
- Cemetery costs (plot, vault or grave liner, opening and closing, headstone)$2,000 – $5,000
- Before any service$4,565 – $7,565
- Funeral-home charges (national)$6,415
- Cemetery costs (plot, vault or grave liner, opening and closing, headstone)$2,000 – $5,000
- With the same cemetery costs on top$8,415 – $11,415
For a Colorado family choosing burial, the funeral home’s bill is below average but the cemetery’s is not, so the Front Range plot price tends to decide the total. Ten thousand dollars covers the simplest burial with room to spare; a full service with a viewing points toward $10,000 to $15,000.
Then add any outstanding medical bills, small debts and a margin for your family’s immediate expenses. A licensed agent will work through the number with you on the call; the estimator shows what a given amount costs per month at your age.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office — not a call center, not a robot.
Colorado insurance regulation
Colorado Division of Insurance
Final expense policies sold in Colorado are regulated by the Colorado Division of Insurance, which licenses the agents and carriers, takes complaints, and offers a “Find Lost Life Insurance” search on its homepage for families who believe a deceased relative had a policy they cannot locate — worth knowing before you buy, and worth telling your family about after. Senior Solutions Insurance is licensed there, in our own state; you can verify our agents on the same site.
Common questions
How much does a funeral cost in Colorado?
The 2026 median from 31 Colorado funeral home price lists is $1,650 for a direct cremation and $2,565 for an immediate burial, both below the national medians of $1,995 and $2,800. Those are funeral-home charges only; the cemetery bills a plot, vault, opening and closing, and headstone separately, typically $2,000–$5,000 or more.
Is final expense insurance cheaper in Colorado?
No. Premiums are set by your age, gender, tobacco use and health, and a 65-year-old in Denver is quoted from the same tables as a 65-year-old in Atlanta. What differs in Colorado is what you are insuring against: funeral-home charges here run 8 to 17% below national, so the same $10,000 policy stretches further.
How much coverage do I need for a Colorado funeral?
Add the cemetery to the funeral home. An immediate burial at Colorado’s $2,565 median plus $2,000–$5,000 of cemetery costs is $4,565–$7,565; a full traditional funeral with a viewing lands at $8,415–$11,415. Most Colorado families land between $10,000 and $15,000 once medical bills and small debts are added.
What if my family cannot find the policy after I die?
Colorado is one of the states whose insurance regulator runs a lost-policy search: the Colorado Division of Insurance’s “Find Lost Life Insurance” service, on its homepage, asks participating insurers to check their records for a deceased person. It is a backstop, not a plan — tell the person you name as beneficiary where the policy is and who the agent was.
Where is Senior Solutions Insurance located?
In Greenwood Village, Colorado, at 5775 DTC Blvd, Suite 250-S. The agent who calls you back works from that office and is licensed by the Colorado Division of Insurance, where you can verify the license.
Prefer we call you? Here is what happens next.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
A licensed agent calls you back
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
We focus on what you actually need
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
You decide what fits
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
Sources
- Analysis of more than 1,000 funeral home General Price Lists collected across 50 states, 2026 — state and national medians for direct cremation, immediate burial and the basic services fee (31 Colorado price lists)
- Final expense rate figures: published market averages for simplified-issue final expense whole life, 2026 — the same table as final expense insurance rates by age
- Colorado Division of Insurance — state insurance regulator
Last updated: September 2026