A last gift of order, not bills
The average funeral now runs well past $9,000 before medical bills and loose ends. Final expense coverage is a small whole life policy, typically $5,000 to $50,000, designed to land fast and lift that weight off your family in the hardest week of their lives.
Built to be easy to get and impossible to outlive
No exam
Approval is based on a short list of health questions. Many applicants are covered the same week they apply.
Never expires
It is whole life insurance. As long as premiums are paid, coverage stays in force to 100 and beyond.
Rates never rise
The premium at issue is the premium forever, even as you age or your health changes.
Fast payout
Clean claims are typically paid in days, so your family is not fronting funeral costs on a credit card.
A "no" from one carrier is not a "no" from the market
Diabetes, heart history, COPD, past cancer: every carrier treats each condition differently. Some offer immediate full coverage where others only offer a waiting period. Because we represent 40+ carriers, our job is knowing who says yes to your exact situation.
Even guaranteed-issue options exist with no health questions at all. They cost more and carry a two-year graded period, so we treat them as the last resort, not the first offer.
What families typically cover
Ranges are illustrative national ballparks. Most clients choose $10,000 to $25,000 in coverage.
Common questions
What ages can apply?+
Most carriers issue final expense policies from age 50 to 85, with some accepting applicants to 89. Younger applicants usually do better with a small traditional whole life policy instead.
What is a graded death benefit?+
On some policies for higher-risk health histories, the full payout phases in over the first two years, with premiums refunded plus interest if death occurs earlier from natural causes. Accidental death is typically covered in full from day one.
Can the money be used for anything?+
Yes. The benefit is paid in cash to your beneficiary, not to a funeral home, so anything left after final costs stays with your family.
Is final expense cheaper than prepaying a funeral home?+
It is usually more flexible. Prepaid plans lock you to one provider and can be hard to transfer. An insurance benefit follows your family wherever they are and covers costs a funeral contract does not.
Ten minutes settles this for good
Tell us your age and any health history, and we will read you real monthly rates on the call. No pressure, no obligation.