A goodbye gift of grace, not bills.
The average funeral now runs $8,000–$12,000. A small whole-life policy — no exam, premiums locked forever — makes sure your family grieves without a fundraiser.
Whole Life · $25k$98/mo
Final Expense · $15k$64/mo
Guaranteed Issue · $10k$52/moWhat is final expense insurance?
Final expense (also called burial or funeral insurance) is a small whole-life policy, typically $5,000–$50,000, designed to cover end-of-life costs. It features simplified underwriting (usually no exam), premiums that never increase, and coverage that never expires.
How much does final expense insurance cost?
Premiums depend on age, gender, health, and coverage amount. As a guide: a 65-year-old non-smoker might pay roughly $50–$80 per month for $15,000 of coverage with premiums locked for life. Because carriers price seniors very differently, comparing several is the single biggest money-saver.
| Simplified Issue | Guaranteed Issue | |
|---|---|---|
| Health questions | Short questionnaire | None at all |
| Medical exam | Never | Never |
| Approval speed | 24–72 hours | Often same day |
| Cost | Lower | Higher |
| Waiting period | Usually none — day-one coverage | Typically 2 years (graded benefit) |
| Best for | Most seniors, even with conditions | Serious health histories |
Your agent will tell you honestly which type you qualify for — most clients are pleasantly surprised.
Day-one coverage when possible
Many clients qualify for immediate full benefits — we always try simplified-issue before defaulting you to a waiting period.
Small policies, big dignity
$10k–$25k is usually enough to cover a funeral and final bills completely. We'll right-size it to your wishes.
Family-first payout
Cash goes straight to your beneficiary in days, to use however the moment requires — not to a funeral home's ledger.
Final expense questions, answered plainly
What does final expense insurance cover?
Anything your family needs it to. It's a small whole-life policy ($5,000–$50,000) that pays cash directly to your beneficiary — most families use it for funeral and burial costs (averaging $8,000–$12,000), medical bills, and small debts, so no one passes the hat at the worst moment of their lives.
Can I get final expense coverage with health problems?
Almost certainly yes. Most final expense policies are simplified-issue — a short health questionnaire, no exam, no bloodwork. Even with serious conditions, guaranteed-issue policies accept every applicant in the eligible age range, no questions asked.
Will my premiums go up as I age?
No — and this is the part seniors love. Final expense is whole life insurance: your premium is locked the day you're approved and can never increase, and the policy can never be cancelled as long as premiums are paid. It also builds a small cash value.
How fast can a policy be issued?
Simplified-issue policies are often approved in 24–72 hours, sometimes same-day. There's no exam to schedule and no lab results to wait on.
Isn't the coverage from my funeral home or a prepaid plan enough?
Prepaid funeral plans lock you to one funeral home and rarely refund fully if plans change. A final expense policy pays your family cash they can use anywhere, for anything — funeral, travel, bills, or whatever the moment demands.
Ten minutes today. One less worry forever.
Most final expense quotes take a single phone call and issue within days. Your family will never know how easy it was — only that you did it.