Affordable whole life coverage that ensures your family never has to worry about burial costs or end-of-life expenses.
Get a Free QuoteFinal expense insurance — sometimes called burial insurance or funeral insurance — is a small whole life policy designed to cover the costs that come at the end of life. The average funeral in the United States costs between $8,000 and $12,000, and that doesn't include medical bills, outstanding debts, or estate costs. Without a plan, those expenses fall on the people you love most during one of the hardest times of their lives.
Final expense policies are simple: you choose a coverage amount between $5,000 and $50,000, pay a fixed monthly premium that never increases, and the benefit is paid directly to your named beneficiary — usually within days of a claim. There's no exam, no complicated underwriting, and no waiting period for most plans. Coverage is permanent, meaning it never expires as long as you continue paying the premium.
Not all final expense policies are the same. Depending on your age and health, you may qualify for different plan types:
Full death benefit from day one. Available to applicants in reasonably good health. Lowest monthly premium for your coverage amount.
For those with some health conditions. Full benefit available after 2 years; in year 1–2 a percentage (typically 30–100%) is paid if a claim occurs.
No health questions at all. Anyone ages 45–85 qualifies. The 2-year graded period applies, but approval is guaranteed regardless of medical history.
We'll match you to the plan type that gets you the most coverage at the best rate based on your situation.
We compare multiple carriers so you get the best rate and plan type for your age and health profile.
A licensed agent will find the right plan for your budget — most clients are approved the same day they apply.
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