The average funeral costs $12,000 or more. Medical bills, outstanding debts, and final expenses add thousands on top. A final expense policy ensures your family handles their grief — not your financial burden.
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Unlike traditional life insurance, final expense policies are designed for accessibility: smaller coverage amounts ($5,000–$50,000), no medical exam required, simplified or guaranteed underwriting, and premiums that never increase once the policy is issued. Most clients qualify within 24 hours. The death benefit pays directly to your named beneficiary — fast, private, and without probate.
get my no-exam QuoteUnlike term life insurance, final expense policies never expire. Pay your premiums and the policy remains in force for life — guaranteed. Your family receives the benefit whenever they need it, whether that's five years from now or thirty.
Most final expense policies require only a few health questions on the application — no doctor visits, no blood draws, no urine samples. For the healthiest applicants, coverage can be issued same-day. For those with health conditions, graded benefit and guaranteed issue options ensure everyone has access to some form of coverage.
The premium you pay when you apply is the premium you pay for life. No annual increases, no inflation adjustments, no surprise bills. This makes final expense insurance one of the most budget-stable financial products available to seniors and retirees.
The greatest gift you can leave is certainty. A final expense policy ensures your family's grief is uninterrupted by financial panic — every cost covered, every bill addressed, before the first check is written.
Most life insurance gets harder — or impossible — to qualify for as health declines. Final expense insurance was designed specifically for older adults and those with health challenges. Coverage is available to almost anyone between 50 and 85.
Final expense insurance gives you two guarantees most financial products can't match: your premium never increases, and your coverage never expires. You plan once — and your family is protected forever.
The best option for applicants in good to moderate health. Simplified issue requires answering a short health questionnaire — no exam — and typically offers immediate full death benefit with the lowest premiums available in the final expense market.
At a glance
Application is health questions only
Full death benefit from day one
Coverage range available
Premium rates in the market
If your health allows it, simplified issue gives you the best rates and immediate coverage.
schedule a free ReviewDesigned for applicants with moderate health conditions who don't qualify for simplified issue but don't need guaranteed issue. A graded benefit policy provides partial coverage in the early years, then full coverage after a defined period — usually 2 years.
At a glance
Graded period then full benefit
Designed for retirement savers who want controlled opportunity.
Questions only — no exam
Coverage from year 3 onward
For those with health history — still meaningful coverage at fixed, predictable premiums.
Schedule a Free ReviewGuaranteed issue means exactly that — no health questions, no medical exam, no underwriting. If you are within the eligible age range, you are approved. This is the option for applicants with serious health conditions who cannot qualify for any other coverage.
At a glance
No questions — automatic approval
Typical eligible age range
Graded period — then full benefit
Based on health — ever
No matter your health history, coverage is available — and your family will be protected
SCHEDULE A FREE reviewA pre-arranged funeral plan — combined with a final expense policy — gives your family complete certainty. You choose the funeral home, select the services, lock in today's prices, and document your wishes — removing every decision your family would otherwise face at their most difficult moment.
At a glance
Today's funeral prices for the future
Decisions left for grieving family
Funeral home as policy beneficiary
Certainty for your loved ones
The most complete act of protection — when every decision is made by you, in advance.
SCHEDULE A FREE ReviewRiders are optional additions to your final expense policy that extend or enhance your coverage at a small additional premium — providing living benefits, accelerated payouts, or additional protection for specific circumstances.
At a glance
Benefits via illness riders
Payout on accidental death
Of premium if disabled
Rider options available
The right riders turn a basic policy into a comprehensive end-of-life protection plan.
SCHEDULE A FREE ReviewFinal expense insurance can help cover funeral costs, outstanding bills, and other end-of-life expenses. Planning ahead today can ease the financial burden on your family and provide peace of mind for the future.
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A final expense strategy helps ensure your family is not left with difficult financial decisions during an already challenging time. Secure affordable coverage designed to help protect those who matter most.
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Rate estimates based on industry averages — actual premiums depend on carrier, state, and full underwriting.
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Final expense planning helps prepare for funeral costs, outstanding bills, and other end-of-life expenses. Our team helps you explore coverage options, benefit amounts, affordability, and beneficiary considerations so your family can focus on what matters most instead of unexpected financial burdens.
