Trusted by 50,000+ families nationwide

Affordable Final Expense Coverage Starting at $15/mo

Compare plans from top-rated carriers in minutes. No medical exam required. Coverage from $5,000 to $50,000 to protect the people you love.

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Ages 50–85

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$5,000from $12/mo

$10,000from $19/mo

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No paperwork, no medical exams, no waiting. Our licensed agents match you with the best plan for your budget.

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Why Final Expense Insurance

Protect Your Family From Unexpected Costs

The average funeral costs over $8,000. Final expense insurance ensures your loved ones aren't left with the burden.

No Medical Exam Required Simple health questions only. Most applicants are approved within minutes regardless of pre-existing conditions.
Rates That Never Increase Lock in your premium today. It stays the same for life — guaranteed. The younger you start, the lower you pay.
Benefits Paid Directly to Your Family Your beneficiary receives a tax-free cash payout, typically within 24–48 hours. They can use it for anything.
Coverage From $5,000–$50,000 Choose the amount that covers your needs — funeral, burial, outstanding debts, or anything else.

What Our Customers Say

Trusted by Families Across America

Real stories from real customers who found peace of mind.

"The process was incredibly easy. I was worried about being turned down because of my diabetes, but I was approved the same day. My family has peace of mind now."

Margaret R.

Age 67 • Florida

"I pay $27 a month for $15,000 in coverage. My agent walked me through every option and I never felt pressured. Best decision I've made for my kids."

James T.

Age 72 • Texas

"After my husband passed, I knew I needed to plan ahead. The agent was compassionate and helped me find a plan that fits my fixed income. I'm so grateful."

Patricia D.

Age 61 • Ohio

Common Questions

Frequently Asked Questions

Get answers to the most common questions about final expense insurance.

Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral services, burial or cremation, outstanding medical bills, and other debts. Policies typically range from $5,000 to $50,000 and feature fixed premiums that never increase and a death benefit that never decreases.

No. Most final expense policies require no medical exam. You'll answer a few simple health questions on the application, and most people are approved the same day — even with common pre-existing conditions like diabetes, high blood pressure, or COPD.

Premiums depend on your age, gender, health, and coverage amount. Most people pay between $15 and $70 per month. The younger and healthier you are when you apply, the lower your rate will be — and it's locked in for life once you're approved.

Yes. Unlike a pre-paid funeral plan, the death benefit from a final expense policy is paid directly to your beneficiary as a tax-free lump sum. They can use it for funeral and burial costs, medical bills, mortgage payments, credit card debt, or any other expenses.

Most carriers process and pay claims within 24 to 48 hours of receiving the required documentation. This is significantly faster than many other types of life insurance, which can take weeks or months.