Affordable whole life coverage built to pay for funeral costs, medical bills, and final expenses — so the people you love can grieve without a financial burden on top of it.
Simple coverage, designed for peace of mind.
A funeral in the U.S. averages between $7,000 and $12,000. When that bill lands on a spouse or an adult child, it often arrives alongside unpaid medical expenses and closing costs on the estate. Final expense insurance is designed specifically to cover these costs — no more, no less.
Unlike term life or large whole life policies, final expense is built to handle end-of-life costs — which means smaller premiums and simpler qualification.
Your monthly premium is set when you enroll and does not increase as you age. The coverage is guaranteed to stay in force as long as premiums are paid.
The benefit is paid to your chosen beneficiary — typically within days — so they can handle arrangements without waiting on an estate or probate.
Whether you take the short survey first or book a call directly, our process is built around you. Nothing is signed until you're sure.
Answer a few questions about your age, state, and health history so we can match you to the right carriers. Takes about 60 seconds.
A licensed agent will walk you through plan options and quote amounts during a short, no-obligation phone call at a time you choose.
If a plan fits, we'll handle the paperwork with the carrier. Coverage often begins the same day, and you're free to cancel during the free-look period.
Final expense coverage is designed for adults who want a small, reliable policy to cover end-of-life costs without going through a lengthy medical underwriting process.
Check my eligibilityPremiums vary based on age, gender, state, health history, and the coverage amount you choose. Most clients pay between $30 and $100 per month. We'll give you exact quotes from multiple carriers during your call — there is no cost or obligation to see your rates.
Most final expense plans do not require a medical exam. Instead, you'll answer a short set of health questions. If you have serious health conditions, guaranteed-issue plans are available that accept applicants regardless of health, typically with a two-year graded benefit period.
Employer-provided life insurance typically ends when you retire or leave the company. Final expense is an individual whole life policy that belongs to you, with premiums and coverage that stay the same for the rest of your life as long as you keep paying.
Most carriers offer a 30-day grace period. If the policy lapses, many carriers allow reinstatement within a set timeframe. We'll walk through the specific terms of any plan before you enroll.
Yes. The benefit is paid directly to your beneficiary in cash, and they can use it however they choose — funeral costs, outstanding medical bills, legal fees, mortgage payments, or anything else.
No. Final expense insurance is a private whole life insurance product offered by licensed insurance carriers. It is not affiliated with, endorsed by, or connected to Medicare, Social Security, or any government program.
Take the short survey to see what you qualify for, or book a time to speak with a licensed agent directly. Whichever feels right.
Prefer the phone? Call (877) 369-4145
60 seconds. No obligation. Your answers help us match you to the right plan.