Physicians Mutual burial insurance
Physicians Mutual advertises heavily to people over fifty, and its rating was upgraded to A+ in November 2025, which most comparison pages have not caught up with.
Rating read from AM Best on 2 September 2026. AM Best calls A+ superior: the strongest assessment am best gives. How we check ratings.
The verdict
A financially strong company with a direct-to-consumer sales model. The plans advertised on television are often guaranteed acceptance, which means a waiting period, and a healthy applicant can usually do better by answering health questions somewhere else.
We do not represent Physicians Mutual
This is an editorial review. We hold no appointment here and earn nothing if you buy one, which is exactly why we can be straight about it. The carriers we can actually write are listed here.
What is good and what is not
In its favour
- A+ Superior, upgraded in November 2025
- No agent required, buy direct
- Well known to the audience that buys these policies
Against it
- The advertised products frequently carry a two year waiting period
- Direct marketing is a pitch for one company, not a comparison
- Usually more expensive per dollar of cover than an underwritten policy
How it treats your health
Ranges from a few questions to none, depending on the plan being sold.
What it actually sells
Direct marketed whole life for final expense, including guaranteed acceptance versions.
The waiting period
The guaranteed acceptance plans carry the standard two year graded benefit on natural death.
This is the single most misunderstood thing in this market, and it is where most people get sold the wrong policy. Our full explanation is in burial insurance with no waiting period.
What moves the price
Age, sex, face amount and whether the plan asks health questions.
Why there is no price on this page
We hold no rate tables, so any premium printed here would be invented. On a licensed site that is a compliance problem rather than a helpful touch. The honest number comes from running your age, state, health answers and coverage amount against the 25+ companies the agency can write, which takes a few minutes.
See what Physicians Mutual would actually cost you
Six questions, about a minute. We run them across every company we can write, including this one where possible, and come back with real prices. A typical burial runs $15,395 once the cemetery is included, so that is the number worth covering.
Get my quotes (786) 818-0383Talk to one of our licensed agents
Questions people ask about Physicians Mutual
Was Physicians Mutual upgraded?
Yes. AM Best raised it to A+ Superior effective 13 November 2025. It is one of the stronger balance sheets in this market.
Compare it against the rest
One carrier is never the answer for everybody, because they disagree about health. The full scorecard shows every company we can write, with the verified AM Best grade and the date we read it.