Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Jun 30, 2022

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Just the Basics

  • Security National Life Insurance offers a small variety of final expense and funeral pre-planning insurance coverages in different areas of the U.S.
  • Final expense insurance can cover funeral expenses, outstanding medical debt, and other expenses that would ultimately be passed down to loved ones
  • Monthly rates for final expense insurance vary based on a person’s age and the coverage amount

While Security National Insurance Company does not offer different types of car insurance coverage, the company does offer various end-of-life insurance products to its policyholders.

Security National Insurance offers funeral expense coverage and final expense insurance options in several states in the U.S. Based out of Utah, Security National Insurance has a fairly small selection of insurance products that may appeal to a variety of individuals.

If you are searching for life insurance, funeral pre-planning coverage, or final expense insurance, it’s a good idea to shop around online and compare rates from multiple companies before making any final decisions. One of the best ways to do this is to compare multiple insurance quotes at once using an online quote tool.

What is Security National Life Insurance?

Security National Life Insurance is an insurance company in Salt Lake City, Utah, that focuses on final expense insurance options. Security National Life works with funeral homes as well as individuals who want to pre-plan their funerals.

Final expense insurance — which can cover funeral expenses, medical bills, and other outstanding debts — is something many individuals show interest in because even the smallest of funerals can become expensive fairly quickly.

Security National Life aims to help its clients through the funeral planning process so that there are no surprises once a policyholder passes away.

Along with final expense coverage options, Security National Life has different options for scuba diver’s insurance, which can cover clients when they’re boating, scuba diving, snorkelling, and participating in other forms of water sports.

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What are the options for final expense coverage with Security National Life?

Security National Life Insurance offers prepaid funeral coverage as well as final expense insurance throughout the U.S. When it comes to prepaid funeral options, Security National helps clients partner with a funeral home to make all the important decisions — and make all of the funeral payments — ahead of time.

Prepaid funeral coverage allows policyholders to feel safe and secure, knowing their loved ones will not have any unforeseen expenses or surprises during such a difficult time. Once you know the cost of your pre-planned funeral, you can set up a plan with Security National to make payments to cover all of the costs.

Final expense insurance is a bit different from prepaid funeral coverage in that many people purchase a final expense plan to cover more than just their funeral coverage. Final expense insurance is often an affordable life insurance option for people who have been turned down by companies for other life insurance plans.

Final expense coverage can help with funerals, medical bills, and other payments up to a certain amount. Most final expense insurance plans cover up to around $50,000.

How much is final expense coverage?

Similar to how factors affect the price of car insurance, final expense insurance costs vary based on a number of different factors. The table below shows the average cost for final expense insurance based on a person’s age and coverage limit.

Average Monthly Rates for Final Expense Insurance Based on Age and Coverage Limit
Age$5,000 Coverage$10,000 Coverage$25,000 Coverage$50,000 Coverage
40$10.90$18.39$40.89$93.41
45$11.87$21.62$50.87$99.62
50$13.29$24.03$56.25$114.23
55$15.15$27.75$65.56$147.42
60$19.17$35.79$85.66$181.40
65$24.74$47.35$115.18$228.23
70$31.87$61.18$149.13$302.94
75$42.79$83.39$204.66$408.81
80$61.27$120.42$297.86$593.60
85$84.95$167.36$414.57$840.10
90$153.07$302.74NANA
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If you are unable to purchase other life insurance options, final expense coverage may be a good idea for you. But you should take the time to compare quotes from multiple companies before you make any final decisions when it comes to choosing a plan.

It’s a good idea to compare rates for life insurance policies if you would be eligible for coverage. The table below shows the average monthly whole life insurance options by age.

Average Whole Life Insurance Rates by Age
Age$100,000 Average Monthly Rates$250,000 Average Monthly Rates$500,000 Average Monthly Rates$1,000,000 Average Monthly Rates
20$83$151$293$580
25$92$178$348$689
30$105$216$422$839
35$121$267$522$1038
40$141$326$639$1273
45$173$401$789$1571
50$214$499$982$1959
55$270$629$1239$2473
60$324$802$1582$3158
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As you can see, whole life insurance rates are much more expensive than final expense coverage, but whole life insurance policies offer a lot more support when it comes to money for your beneficiaries.

Can you pay Security National premiums online?

The Security National Insurance Company website does allow policyholders to pay their monthly premiums or make payment instalments online.

If you do not want to pay for your coverage online, you can also call the Security National Insurance Company phone number and speak with a representative in order to pay your bill.

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Does Security National have good reviews?

Security National Insurance Company has an A- (Excellent) financial strength rating with A.M. Best and a stable outlook when it comes to future investments. Security National is not rated by the Better Business Bureau and does not have any registered complaints with the company.

Security National Insurance Company: What’s the bottom line?

If you are looking for final expense coverage, Security National might be a good fit for you. Before you make a final decision on the type of coverage you want, you should shop around and compare plans and quotes from many different companies at once.

Making these comparisons will allow you to better understand your options and make the best choices when it comes to your family’s future.