Affordable, permanent coverage designed to protect your loved ones from the financial burden of funeral costs, medical bills, and end-of-life expenses.
See if final expense insurance matches your needs
Why families choose final expense insurance
Skip the hassle of medical exams and lab work. Apply easily with a simple application — no needles, no doctors' visits.
Regardless of your health conditions, you can qualify for coverage. No one is turned away due to pre-existing conditions.
Designed to fit any budget with low monthly premiums. Coverage starts at just a few dollars per month — locked in and never increases.
Your coverage never expires as long as premiums are paid. Unlike term insurance, final expense lasts your entire lifetime.
Everything that comes with your policy
Your beneficiaries receive the full benefit amount tax-free
Your monthly payment is locked in and will never increase
Simple application process with guaranteed acceptance
Choose the coverage amount that fits your needs
Your coverage begins right away — no waiting period
Coverage
Up to $100K
Ages
45–85
Medical Exam
None
Acceptance
Guaranteed
Affordable permanent coverage with no medical exam required. Guaranteed acceptance for ages 45-85.
Common questions about final expense insurance
The average funeral in the United States costs between $7,000 and $12,000, according to the National Funeral Directors Association. This includes the casket, embalming, ceremony, burial plot, and headstone. When you add in additional costs like flowers, obituaries, and a reception, total expenses can reach $15,000-$20,000 or more. Final expense insurance helps ensure these costs don't fall on your family.
Final expense is a type of whole life insurance, but it's specifically designed with smaller coverage amounts ($2,000-$25,000+) and simplified underwriting. Traditional whole life may offer higher coverage amounts and require medical underwriting. Final expense policies are tailored for seniors who want affordable, easy-to-qualify-for coverage to handle end-of-life costs.
No. Final expense insurance does not require a medical exam, blood tests, or doctors' visits. Most plans have guaranteed acceptance regardless of your health conditions. The application process is simple and can often be completed over the phone or online in minutes.
While primarily designed for funeral and burial expenses, the death benefit can be used for anything your beneficiaries need. Common uses include outstanding medical bills, credit card debt, remaining mortgage payments, legal fees, and providing a small inheritance. The benefit is paid directly to your beneficiaries, who can use it however they see fit.
Don't leave your loved ones with the burden of end-of-life expenses. Speak with a licensed advisor to find affordable coverage — no obligation, no pressure.
Other products you might be interested in