Final expense
Pay for the funeral, not your family.
Final-expense insurance is a small whole-life policy designed to cover funeral costs, medical bills, and end-of-life expenses — without leaving the bill to your family. Coverage from $5,000 to $40,000. No medical exam.
Calls answered live. Mon–Fri, 9 AM – 8 PM ET.
Typical monthly rates
For $10,000 of coverage, non-tobacco, in good health. Illustrative only — your rate depends on age, gender, and underwriting.
| Age | Female | Male |
|---|---|---|
| 60 | $28 | $34 |
| 65 | $36 | $45 |
| 70 | $48 | $60 |
| 75 | $66 | $82 |
| 80 | $92 | $112 |
Whole life, not term
The policy never expires as long as you pay the premium. Your rate is locked the day it's issued.
Cash benefit
Beneficiaries get a tax-free cash payment, usually within days. They can spend it on the funeral, debts, or anything else.
Builds cash value
A portion of every premium accumulates as cash value you can borrow against if needed.
No medical exam
Just a short health questionnaire. Most applicants are approved by phone the same day.
Guaranteed-issue option
If you don't qualify for standard coverage, guaranteed-issue plans skip health questions entirely.
Available 50–85
Most carriers offer coverage from age 50 to 85. Some go higher; ask your agent.
We compare quotes from leading A-rated carriers
- Mutual of Omaha
- Aetna
- Foresters
- Transamerica
- AIG
- Gerber Life
- Americo
- United Home Life
Carrier availability varies by state and underwriting. We are not affiliated with any individual carrier.
Common questions
Answers most people want first.
Do I have to take a medical exam?
No. Every plan we offer is simplified-issue or guaranteed-issue — that means a few yes/no health questions, never a blood draw or paramed visit.
How long does it take to be covered?
Most applicants are approved by phone the same day. Coverage typically begins the day the first premium clears, which is usually 1–3 business days after the application.
What does final expense insurance actually cover?
The benefit is paid in cash to whoever you name as the beneficiary. They can use it for funeral costs, the cemetery plot, medical bills, credit card debt, or anything else — it's their money to spend.
Can my policy be cancelled by the insurance company?
No. Once issued, a whole-life policy cannot be cancelled by the carrier for any reason except non-payment of premium. Your rate is also locked for the life of the policy.
What if I have pre-existing health conditions?
We work with carriers across the spectrum, including guaranteed-issue plans that ask zero health questions. The trade-off is a graded benefit period in the first two years — your agent will walk through the options that fit your situation.
Is the call really free? Are you going to pressure me?
Yes, the call is free, and no, we don't pressure. If a plan isn't right for you we'll say so. Our agents are paid the same whether you buy today or in six months.
Speak with a specialist — no obligation.
Our licensed agents will walk you through the lowest-cost plans you qualify for. Mon–Fri, 9 AM – 8 PM ET; calls are answered live, usually within 30 seconds.