Give your family peace of mind when it matters most.
Final expense insurance is a smaller, simplified whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses, so your family isn't left with the bill or the burden during an already difficult time. The average funeral in the US costs $8,000–$12,000. That doesn't include medical bills, outstanding debts, or legal fees.
- No medical exam required, simplified health questions only
- Guaranteed approval for ages 50–85
- Coverage from $5,000 to $50,000
- Premiums fixed for life, never increase
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States
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Carriers
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AM Best
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Cost to You
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This is right for you if...
- You want to make sure funeral and burial costs are fully covered
- You are 50–85 and want simplified, fast approval
- You have health conditions that make traditional underwriting difficult
- You want your family to receive funds quickly when they need them most
How it works
- 01We review your age and health with simplified, often no-exam underwriting
- 02We match you with a carrier offering guaranteed or simplified issue
- 03You select a coverage amount ($5,000–$50,000) that fits your needs
- 04Beneficiaries receive a fast, direct payout, no restrictions on use
Key Benefits
In depth
Final expense insurance exists for one reason: to make sure your family isn't left with a bill when they should be grieving. Without coverage, the burden of funeral costs, medical bills, and outstanding debts falls entirely on the people you love most.
It's a small whole life policy, typically $5,000 to $50,000, designed specifically to cover those costs. No medical exam, simplified questions, and most clients are approved the same day.
The benefit goes directly to your beneficiary, tax-free, with no restrictions on how it's used, funeral costs, rent, groceries, or whatever the family needs most.
Frequently asked questions
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