Final Expense Insurance
Give Your Loved Ones Peace of Mind
Affordable final expense insurance to help cover funeral costs, outstanding bills, and leave a lasting legacy — so your family isn't left with the financial burden.
Get Your Free Quote
It only takes 30 seconds. No obligation.
Because your family deserves protection
A funeral is one of the largest bills a family can face, and it usually arrives with only a few days' notice. Final expense insurance is a small whole life policy that pays your family in cash, so they can focus on saying goodbye.
Source: National Funeral Directors Association, 2023. Excludes plot, headstone and flowers.
- Covers funeral, burial or cremation costs
- Helps pay outstanding medical bills and debts
- Paid to the person you choose, to use however they need
Getting covered usually takes one or two phone calls
See the full process
01Tell us about yourself
Fill out the short form or call. We'll ask your age, budget and how much coverage you have in mind.
02Compare real options
Your agent checks several carriers and explains which you're likely to qualify for, and what each costs.
03Apply by phone
About 20 minutes, no medical exam for most plans. Many people get a decision the same day.
Two kinds of final expense coverage
Both are whole life policies with fixed premiums and no medical exam. The difference is the health questions — and the price.
Simplified issue
Ages 50–85 · $5,000 to $50,000
- A few yes/no health questions
- Full coverage from day one, in most cases
- Lower premium than guaranteed issue
- Many controlled conditions accepted
Best for people in fair-to-good health who want the most coverage for their money.
Guaranteed issue
Ages 50–80 · $2,000 to $25,000
- Acceptance guaranteed within the age range
- Accidental death covered in full from day one
- Two-year waiting period for natural causes — premiums refunded with interest
- Rate locked for life
Best for serious health conditions, or anyone who's been declined before.
Your family decides
What can the benefit pay for?
The benefit is paid in cash directly to your beneficiary — not to a funeral home — so they can use it wherever it's needed most.
- Funeral service
- Burial or cremation
- Headstone or urn
- Final medical bills
- Outstanding debts
- Family travel
- Legal and estate costs
- A gift to loved ones
Take the next step
Get Your Free Quote Today
It only takes a few minutes, and there's no obligation. Let our licensed agents help you find the right coverage for your peace of mind.
- Speak with a licensed agent
- Get personalized options
- No obligation and no pressure
- Protect what matters most
A note from your agent
Most people who call me have put this off for years — usually because they assume they won't qualify, or they've been talked at by someone reading a script. I work differently. I'll ask about your health and your budget, check what several carriers will actually offer you, and explain the trade-offs plainly. If a plan isn't right for you, I'll say so.
When you call, you'll reach me — and I'll still be your agent the day your family needs to file a claim.
Client testimonials
What our clients say
Real stories from real families. See how our licensed agents have helped people across the country find the right final expense coverage.
My experience with final expenses was smooth. My agent Jessica explained what the policy would cover. She also tried to find me a better rate. She was knowledgeable about her field. She took a personal approach to our conversation as you would an old friend that you haven’t seen in years. I appreciate her kinder words and respect. I did end up picking a policy for my loved one that worked for me. Jessica was 5 stars across the board.
AGreenhowardClient reviewVery friendly & also straightened out a policy situation from another company that could have messed me up. I'm glad that their was a problem with last company because I got a better deal, and Eleanor was kind & helpful. Knowing I'm dealing with 1 agent is helpful
Marjorie S.Client reviewThe representative, Demi, that I spoke to was absolutely fantastic. She was not only knowledgeable, but very easy to talk to. She was able to answer all my questions.
Nancy W.Client reviewThe fact that the person that answered my call explained everything by detail and gave me a larger amount of life insurance so we ain't gotta worry about leaving our children wondering how to pay our funerals
BigRed M.Client reviewDanny was great. Danny did such a great job helping my mom that she passed his number on to me. He was fantastic, easy to talk to, compared plans for me with my specific needs.
Melenie B.Client review
Final expense insurance — often called burial insurance or funeral insurance — is a small whole life policy, typically $5,000 to $50,000, designed to cover funeral costs, medical bills and other end-of-life expenses so your family isn't left with the bill. Premiums are fixed, coverage lasts your whole life, and the benefit is paid directly to the person you choose.
Most people pay between $30 and $100 a month for $10,000 of coverage, depending on age, gender, tobacco use and health. Because your rate is locked in when you buy, applying sooner usually means a lower premium for life. See the sample rates above, or call for a quote based on your situation.
Yes. Nearly all final expense policies skip the medical exam. Simplified issue plans ask a few yes/no health questions; guaranteed issue plans ask none at all. Your agent will tell you which you're likely to qualify for before you apply.
Guaranteed issue (or guaranteed acceptance) life insurance approves everyone within the eligible age range — usually 50 to 80 — regardless of health. The trade-off is a higher premium and a graded benefit: if death from natural causes occurs in the first two years, most carriers return the premiums paid plus interest instead of the full benefit. Accidental death is typically covered in full from day one.
Burial insurance is a type of life insurance — a small, permanent policy that's easy to qualify for. Traditional term or larger whole life policies offer higher coverage amounts but usually require a medical exam and can be harder to get after 65. For most families, a final expense policy is the simpler, more affordable fit.
Many simplified issue policies are approved within a few days — sometimes the same day you apply — and coverage begins as soon as your first premium is paid. Guaranteed issue policies are approved immediately, with the graded benefit period described above.
No. With final expense whole life insurance, your premium is locked in for life and your coverage never decreases, as long as premiums are paid. Your policy also can't be cancelled because of changes in your health.
