Final Expense insurance ensures your loved ones are never burdened with funeral costs, medical bills, or end-of-life expenses when you pass. Guaranteed acceptance — no medical exam required.
Final Expense insurance — also called burial insurance or funeral insurance — is a small whole life insurance policy designed to cover the costs associated with your passing. It pays a tax-free cash benefit directly to your beneficiary when you die.
Unlike traditional life insurance, Final Expense plans are specifically designed to be affordable, simple, and accessible — even for seniors with health conditions. There is no medical exam, and most people are accepted regardless of health history.
The average funeral and burial in the U.S. costs $12,000–$15,000. Without a Final Expense plan, this burden falls entirely on your family — often at the worst possible time. A small monthly premium protects them completely.
The cash benefit is paid to your beneficiary and can be used for any of the following.
Covers the full cost of a traditional funeral, burial plot, casket, headstone, and related services.
Covers cremation services, urns, memorial services, and scattering ceremonies.
Pays off outstanding medical bills, hospice care costs, and end-of-life treatment expenses.
Helps pay off credit cards, personal loans, or other debts so your family isn't left responsible.
Provides funds to help your family maintain mortgage or rent payments during a difficult transition.
Any remaining funds can be used by your beneficiary for everyday living expenses and financial stability.
Simple, affordable, and guaranteed — here's how to get covered today.
No medical exam. Answer a few simple health questions (or choose guaranteed issue). Ages 50–85 accepted.
Select a benefit amount from $5,000 to $25,000 based on your needs and budget. Premiums are locked in for life.
Designate a spouse, child, or anyone you choose to receive the benefit when you pass.
When you pass, your beneficiary files a claim and receives the full benefit — typically within 30 days.
Final Expense plans are specifically designed for seniors — simpler, more accessible, and more affordable.
| Feature | Traditional Life Insurance | Final Expense Plan |
|---|---|---|
| Medical exam required | ✘ Usually required | ✔ No exam required |
| Age eligibility | ✘ Often limited after 60 | ✔ Ages 50–85 accepted |
| Approval time | ✘ Weeks to months | ✔ Often same day |
| Premiums change over time | ✘ Can increase | ✔ Locked in forever |
| Builds cash value | ✔ Yes | ✔ Yes |
| Monthly Cost | $100–$400+/mo | As low as $20–$80/mo |
Families who planned ahead share their experience.
"My mother passed last year at 79. Because she had a Final Expense plan, we didn't have to worry about a single bill. The $15,000 benefit covered the funeral, her final medical bills, and even helped with the headstone. It was the greatest gift she gave us."
"I'm 67 with diabetes and was told I couldn't get life insurance. The agent found me a guaranteed issue Final Expense plan for $34/month. I sleep better knowing my kids won't have to scramble when I'm gone."
"My husband and I both got Final Expense plans at 62. The process took 20 minutes on the phone. Knowing that our children won't face a $12,000 funeral bill on top of their grief is priceless."
Common questions about Final Expense insurance answered clearly.
Takes under 2 minutes. No obligation. A licensed partner will contact you within 24 hours.
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A licensed partner will contact you within 24 hours with your personalized Final Expense plan options.