Nebraska Burial Insurance for Seniors 50 to 85
Looking for burial insurance in Nebraska? No medical exam, $5,000-$35,000 coverage, and claims paid within 24 hours. Call (800) 930-7459.
What Happens When There's No Funeral Plan
The hardest moment for a family is also the most expensive. A small plan now spares them both.
Funeral costs over $10,000
Traditional burial in the Austin area averages about $7,912, and total costs often top $10,000 once add-ons are included.
Declined for life insurance
Many seniors are turned away because of age or health. Standard underwriting rules out coverage that families really need.
No plan in place
When a loved one dies suddenly, families face thousands in costs and impossible decisions in the middle of grief.
Overwhelmed by funeral homes
Comparing prices, reading contracts, and avoiding upsells at the worst possible time is a lot to ask of any family.
Statewide Whole Life Insurance for Seniors
Nationwide Final Expense has served families across the Cornhusker State since 1963, helping seniors in Omaha, Lincoln, and communities statewide lock in fixed premiums and 24-hour claim payouts through the Funeral Advantage Program. Nebraska families face traditional burial costs averaging $8,755 for a full service with viewing and burial, based on NFDA 2023 West North Central regional data - the highest regional average in the country. Cremation with a service averages $6,713 regionally. No published city-level averages are available for Omaha or Lincoln, so the regional figure is the most reliable planning benchmark. Cremation rates vary by source, with widely cited estimates placing the rate around 33 percent, though some sources suggest it may reach 55 percent; traditional burial remains a significant choice statewide.
State Medicaid rules, administered through Nebraska DHHS, offer practical planning tools: a revocable burial fund up to $1,500 is exempt from asset counts, and a burial space - including a plot, vault, or marker - carries no dollar limit. Irrevocable funeral trusts (IFTs) are allowed under state law; confirm the current cap in Nebraska's Medicaid manual with a licensed agent. The Nebraska Department of Insurance (doi.nebraska.gov) regulates all life insurance sold here, and every policy includes a standard 10-day free-look period during which you may cancel for a full premium refund.
With approximately 16 percent of residents aged 65 or older and a life expectancy of approximately 78.3 years, planning ahead is practical. Chronic lower respiratory disease, unintentional injuries, and stroke rank among the state's leading causes of death. Nationwide Final Expense agents serve seniors across Omaha, Lincoln, Bellevue, Grand Island, Kearney, Hastings, Fremont, Norfolk, Columbus, and North Platte - with over-the-phone applications and no medical exam required. Funeral Advantage policies range from $5,000 to $35,000 in coverage (2026 rates), and premiums never increase. Whether you live along the I-80 corridor or in a rural western Nebraska community, approved claims are paid within 24 hours.
Areas served
- Omaha
- Lincoln
- Bellevue
- Grand Island
- Kearney
- Hastings
- Fremont
- Norfolk
- Columbus
- North Platte
Local landmarks
- Nebraska Medicine (UNMC)
- CHI Health Creighton University Medical Center
- Bryan Health
- University of Nebraska-Lincoln
- CHI Health Good Samaritan
Final Expense Coverage Options
No medical exam
A one-page application with a few simple health questions. Most Nebraska applicants qualify the same day.
24-hour claim payout
Approved claims paid in cash within 24 hours so your family has funds for the funeral home deposit and what comes next.
Personal Funeral Advisor
A live advisor calls Nebraska-area funeral homes, compares prices, and reviews contracts on your family's behalf.
Our services for Nebraska families
Every plan and planning service we offer is available to seniors and families in Nebraska.
Funeral Planning Assistance (FCGS)
Concierge funeral-planning support that activates at time of need, included free with every Funeral Advantage policy.
Guaranteed Acceptance Burial Insurance
Whole life burial coverage with no medical exam and easy qualification, built for seniors with health concerns or prior denials.
Irrevocable Funeral Trusts
How Central Texas seniors can shelter burial funds from Medicaid spend-down while keeping final expense coverage.
Preneed vs. Final Expense Funding
Plain-English help deciding between locking in prices with a funeral home and keeping flexible cash with final expense insurance.
How to Get Covered in 4 Simple Steps
From quote to policy to claim, every step is simple and no-pressure.
Get your free quote
Call or fill in the online form. No personal medical history needed to get a rate.
One-page application
A few simple health questions, no medical exam. Most applicants qualify the same day.
Policy issued
Pick your coverage from $5,000 to $35,000. Your premium is locked in for life.
24-hour claim payout
When the time comes, approved claims are paid within 24 hours so family has cash on hand.
Ready to Protect Your Family?
No medical exam, no pressure. A licensed advisor will tell you honestly whether the coverage fits.
Why Central Texas Families Choose Nationwide
We treat a hard subject with dignity and make a confusing decision feel simple.
Approved claims paid in 24 hours
Your family has cash on hand right when they need it, not weeks or months later.
No medical exam to qualify
A one-page application with a few simple health questions. Most applicants qualify.
Pre-existing conditions accepted
Health issues that get you declined elsewhere don't disqualify you with us.
Premiums never increase
A fixed monthly rate from day one. Locked in for the life of the policy.
Personal Funeral Advisor included
A live advisor calls funeral homes for your family, compares prices, and reviews contracts - at no extra cost.
A.M. Best A- and BBB A+ rated
A 63-year-old company with more than 1,000,000 policies in force across the country.
What Nebraska-area families say
Real stories from policyholders who trusted us with the most important plan they ever made.
"After being turned down twice for my health, I was sure no one would cover me. They approved me with just a one-page form and no exam. Such a relief."
"When my husband passed, their advisor called the funeral homes for us and saved us thousands. I don't know how we'd have managed the paperwork on our own."
"The claim was paid the very next day. The money was there when we needed it, not weeks later. Exactly what they promised."
Common Questions About Coverage in Nebraska
What is the average funeral cost in Nebraska?
Does Nebraska have a Medicaid burial exemption?
Who regulates burial insurance in Nebraska?
Are irrevocable funeral trusts available in Nebraska?
Can Nebraska seniors qualify with a pre-existing health condition?
Where can I find burial insurance near me in Nebraska?
How quickly can I get a burial insurance quote in Nebraska?
Ready to protect the ones you love?
Get a free quote in minutes — no medical exam, no pressure. Most applicants qualify.