Final Expense Life Insurance
Affordable whole life coverage from $5,000 to $50,000. No medical exam options. Rates that never increase.
*Full death benefit from day one applies to level benefit plans. Graded benefit and guaranteed issue plans have a limited benefit period for non-accidental death, typically two years.
What it is
Final expense insurance is a whole life policy sized for what actually comes due at the end of a life. It pays a cash benefit directly to the person you choose, usually within days of a claim, so the people you love are not reaching for their savings or a credit card while they grieve.
The service, the casket or urn, the cemetery plot, flowers, the obituary and everything in between.
Hospital stays, hospice care and the deductibles and co-pays that arrive in the weeks after.
A credit card balance, a car payment, a utility bill or a few months of rent or mortgage.
Whatever is not needed for expenses stays with your family, to use however they choose.
The median cost of a funeral with viewing and burial in the U.S., before cemetery costs. Source: NFDA, 2023.
Coverage options
Every plan is permanent whole life insurance: premiums are fixed, the benefit never shrinks, and the policy cannot be cancelled because of age or health. The difference is how much health history each one asks about.
For people in generally good health
The full death benefit from the first day your policy is active, at the lowest premium of the three.
For people with some health history
Simplified health questions accept many conditions a level plan would decline. The full benefit is paid after a short graded period.
For people who have been declined elsewhere
No health questions and no exam. Acceptance is guaranteed within the eligible age range.
How it works
Tell us your age, ZIP code and the coverage amount you have in mind. It takes about a minute and there is no obligation.
An agent licensed in your state compares plans from multiple carriers and walks you through the options in plain English, by phone, at a time that suits you.
Choose a plan and complete a short application over the phone. Policies are often issued within days, and level benefit plans protect your family in full from day one.
Why families choose us
We are an independent agency. Our licensed agents compare plans from several carriers and recommend the one that fits your health, your budget and the amount you want to leave behind, not the one that pays the most commission.
The premium you start with is the premium you keep. It does not rise with age, with a new diagnosis or at renewal, because there is no renewal.
No needles, no nurse visit, no waiting on lab results. Depending on the plan, a few health questions or none at all.
Applications are completed by phone and many carriers give a decision the same day, so coverage can be in place within days rather than weeks.
The money goes to the person you name, generally free of federal income tax, with no obligation to use a particular funeral home.
“The greatest gift is leaving them memories, not bills.”
Your free quote
Tell us a little about yourself and a licensed agent will prepare quotes from multiple carriers. There is no cost and no obligation.
What happens next
Questions, answered
If your question is not here, a licensed agent can answer it in plain English.
The benefit is paid in cash to the beneficiary you name, and they decide how to use it. Most families put it toward funeral, burial or cremation costs, final medical bills, outstanding debts and everyday household expenses. Anything left over stays with your family.
A licensed agent can quote your options in a single phone call. No exam, no pressure, and nothing to sign until you are ready.
(307) 201-7534Call for a free quote
