No medical exam. Guaranteed acceptance. Coverage your family can count on when it matters most.
Get My Free Quote →Final expense insurance — also called burial insurance — is a whole life policy designed to cover the costs your family faces when you pass away. Funeral and burial costs alone average $8,000–$12,000. Add in medical bills, unpaid debts, and legal fees, and the burden on your family can be significant.
A final expense policy ensures your loved ones aren't left scrambling to cover those costs during an already difficult time. The benefit pays out quickly and directly to your beneficiary — no waiting, no guesswork.
Final expense insurance is ideal for adults between 50 and 85 who want to protect their family from the financial weight of end-of-life costs. It's especially valuable if you have limited savings, don't qualify for traditional life insurance, or simply want a dedicated policy that covers final costs without touching other assets.
Most final expense policies are guaranteed issue or simplified issue — meaning you qualify regardless of health history.
Choose the amount that fits your needs. Most families choose $10,000–$25,000 to cover funeral costs and remaining bills.
Your premium is locked in from day one. It never goes up, no matter your age or health changes.
Death benefits are paid out quickly so your family can handle arrangements without financial stress or delay.
Premiums vary based on your age, health, and coverage amount, but most policies range from $30–$100/month. A healthy 60-year-old can typically get $15,000 in coverage for around $50/month. We shop multiple carriers to find you the best rate.
Yes — many final expense policies are designed specifically for people with pre-existing conditions. Guaranteed issue policies accept all applicants between 50–85 with no health questions at all.
Most final expense claims are processed and paid within 24–72 hours of submitting the required documents — much faster than traditional life insurance.
Yes. Adult children frequently purchase final expense policies on a parent's behalf. You can be the policy owner and pay the premiums while your parent is the insured.