Find Affordable Final Expense Insurance
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What Is Final Expense Insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs — including funeral services, burial, outstanding medical bills, and other debts — so your family doesn't have to.
Peace of Mind for Your Family
Your loved ones won't face the financial burden of funeral costs, which average $7,000–$12,000 in the U.S. Final expense insurance covers it all.
Guaranteed Acceptance
Most final expense policies require no medical exam. Many plans offer guaranteed acceptance for ages 50–85, regardless of health conditions.
Rates That Never Increase
Lock in your premium today. Final expense policies have fixed rates that stay the same for life — no surprises, no increases.
Tax-Free Payout
The death benefit is paid directly to your beneficiary, tax-free. They can use it for any purpose — funeral, bills, or daily expenses.
Average End-of-Life Costs
Without insurance, your family could face these expenses:
Source: National Funeral Directors Association, 2024
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Why Final Expense Insurance Matters
It's not about what happens after — it's about making sure the people you love are taken care of when they need it most.
Spare Your Family the Burden
The average funeral costs $7,000–$12,000. Without coverage, your family may need to crowdfund, take out loans, or make painful compromises during an already difficult time.
Cover Outstanding Medical Bills
Medical debt doesn't disappear when you pass. Final expense insurance can cover remaining hospital bills, prescriptions, and hospice care costs so your family isn't left holding the bill.
Protect Your Family's Stability
Your death benefit can help your spouse or children cover rent, utilities, and daily expenses during the transition period — giving them time to grieve without financial panic.
Leave a Legacy, Not a Debt
Final expense insurance ensures you're remembered for the life you lived — not the bills you left behind. Some policies even build cash value you can access while alive.
How It Works
Getting covered is simple. Three easy steps and you're protected.
Answer a Few Simple Questions
Tell us your age, ZIP code, and coverage needs. No medical exam required — our form takes less than 3 minutes to complete.
Compare Plans & Rates Instantly
We compare final expense plans from top-rated carriers to find the best coverage at the lowest price for your situation.
Speak with a Licensed Agent
Connect with a friendly, licensed insurance specialist who can answer your questions and help you enroll in the right plan.
Compare Plans in Minutes
Our licensed agents specialize in helping seniors find the right final expense coverage
Final Expense Plan Options
Choose the plan type that fits your needs and budget. All plans offer lifetime coverage with fixed premiums.
Simplified Issue
- Coverage from $5,000 to $35,000
- Short health questionnaire (no exam)
- Immediate full coverage from day one
- Fixed premiums that never increase
- Best for: Most applicants ages 50–80
Best value — full coverage with just a few health questions
Get QuoteGuaranteed Issue
- Coverage from $5,000 to $25,000
- Zero health questions or medical exams
- Acceptance guaranteed ages 50–85
- Graded benefit (2-year waiting period)
- Best for: Those with serious health conditions
Everyone qualifies — ideal if you've been declined elsewhere
Get QuoteLevel Benefit
- Coverage from $10,000 to $50,000
- Full death benefit from day one
- Builds cash value over time
- Can borrow against your policy
- Best for: Healthy applicants wanting more coverage
Maximum coverage with cash value accumulation
Get QuoteQuick Comparison
| Feature | Simplified Issue | Guaranteed Issue | Level Benefit |
|---|---|---|---|
| Health Questions | A few | None | Yes |
| Medical Exam | |||
| Immediate Coverage | 2-yr wait | ||
| Max Coverage | $35,000 | $25,000 | $50,000 |
| Monthly Cost | Lowest | Moderate | Higher |
* Prices vary by age, health, coverage amount, and carrier. Enter your ZIP code for personalized quotes.
Real Stories from Real People
Thousands of families have found peace of mind with affordable final expense coverage
"After my husband passed, I saw firsthand how funeral costs can devastate a family. I got my final expense policy for just $32 a month. Now I know my children won't have to worry about a thing when my time comes."
Margaret W.
Age 72 • Tampa, FL
Coverage
$15,000
"I have diabetes and was told by two companies I couldn't get coverage. This service connected me with a carrier that accepted me with no medical exam. My premium is locked in and my family is protected."
James R.
Age 68 • Dallas, TX
Coverage
$10,000
"The agent was so patient and kind. She explained everything in plain English and helped me find a plan I could afford on my Social Security income. I sleep better knowing my grandchildren won't be burdened."
Dorothy L.
Age 76 • Atlanta, GA
Coverage
$20,000
Ready to join them? Get your free quote in minutes.
Get Your Free QuoteFrequently Asked Questions
Everything you need to know about final expense insurance
What is final expense insurance?
Final expense insurance (also called burial insurance or funeral insurance) is a type of whole life insurance with smaller coverage amounts — typically $5,000 to $50,000. It's specifically designed to cover end-of-life costs like funeral services, burial or cremation, outstanding medical bills, and other debts so your family isn't left with the financial burden.
Who qualifies for final expense insurance?
Most people between ages 50 and 85 qualify for final expense insurance. Simplified issue plans require answering a few basic health questions but no medical exam. Guaranteed issue plans accept everyone regardless of health — no questions asked. Even if you've been declined for other types of life insurance, you can likely get a final expense policy.
How much does final expense insurance cost?
Final expense insurance is very affordable. Most people pay between $20 and $70 per month depending on their age, health, and coverage amount. For example, a healthy 65-year-old might pay around $30/month for $10,000 in coverage. Premiums are fixed and will never increase for the life of the policy.
Do I need a medical exam?
No. Final expense insurance does not require a medical exam. Simplified issue plans ask a few basic health questions (like whether you've been hospitalized recently), while guaranteed issue plans require zero health questions at all. This makes final expense insurance accessible to almost everyone.
What's the difference between simplified issue and guaranteed issue?
Simplified issue plans ask a few health questions and provide immediate full coverage from day one — they're cheaper and the best option for most people. Guaranteed issue plans accept everyone with no health questions, but they have a 2-year graded benefit period (if you pass away in the first 2 years, your beneficiary receives a return of premiums paid plus interest, rather than the full death benefit). After 2 years, the full benefit applies.
Can my premiums increase over time?
No. Final expense insurance has fixed premiums that are locked in when you purchase the policy. Your rate will never increase regardless of changes in your age or health. This makes it easy to budget on a fixed income like Social Security.
How is the death benefit paid out?
The death benefit is paid directly to your named beneficiary as a tax-free lump sum, usually within a few days of filing a claim. Your beneficiary can use the money for any purpose — funeral costs, medical bills, rent, groceries, or anything else they need. There are no restrictions on how the money is spent.
Can I cancel my policy if I change my mind?
Yes. Most final expense policies come with a 30-day free look period. If you change your mind within 30 days of receiving your policy, you can cancel for a full refund of any premiums paid. After the free look period, you can still cancel at any time, though refund terms vary by carrier.
Still Have Questions?
Our licensed agents specialize in final expense insurance and are ready to help you find the right plan.
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