I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have no burial policy, and each is worried about leaving the other with burial expenses and debts. I have seen a few ads online, but when you get to the fine print, they seem mostly like scams. They probably wouldn't get a very good rating if a health exam were required. Probably $15 -$25K max would be the amount needed. They live in Texas if that matters.

American General (AIG) Has the most competitive senior rates

I can help you. I sell burial policies that are ment to pay out with in 10 days of death It pays for all of the burial, and last minute needs associated with someone's death. I live in Austin Texas and travel all over the state let me know if you have any questions about my policies or any others. I will be more than willing to help you in any way.

Take Care

If you are looking for about $25k of coverage for your senior citizen in-laws, you may want to consider AIG - which is competitive, or the plans that are offered on tv from Colonial Penn or Globe Life.

I do know that Globe Life was established in 1951 and they have more than 2.5 million policyholders, and an "A+" rating from A.M. best Company. I think Globe Life offers people age 78 and under up to $30,000 of simplified life insurance with no physical exam required. You can learn more about Globe Life online.

Another option would be to compare free life insurance quotes online from a quote service that gives you rates for plans from multiple carriers.

Or, you may want to contact an agent in your area specializing in burial insurance, or life insurance for seniors.

Make sure to understand when full-coverage begins, as some policies are graded, and full coverage is not in-force until 1-2 years after the life insurance policy is purchased.

If you're concerned about scams, then you should be looking at companies with AAA ratings. The rates would probably be a little more expensive, but at least you'll be confident in case should one one of your in-laws pass away, the beneficiary will get the death benefit as promised, without any strings attached.

You should do some research on third companies ratings such as:
Moody's
Standard & Poor's
Fitch
A.M. Best Company

Any questions contact me I'll give you some specific recommendations.