Coverage Type

Final Expense Insurance

Affordable, simple coverage designed to take care of funeral costs, medical bills, and final debts so your family doesn't have to.

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What is final expense insurance?

Final expense insurance is a type of whole life policy designed for one purpose: to cover the costs your family would face after you’re gone. Funeral and burial expenses, unpaid medical bills, and final debts.

Unlike term life insurance, which is meant to replace income during working years, final expense coverage is built for seniors and designed to stay in place for the rest of your life. The coverage amounts are smaller, typically $5,000 to $50,000, and the premiums are designed to stay affordable.

Who it’s for

Final expense insurance makes sense for people who:

Are between 50 and 85 years old
Want to spare their family the cost of a funeral
Don’t need a large term life policy anymore because their children are grown
Have been turned down or quoted a high rate because of health issues
Want simple, permanent coverage without a medical exam

Two main types

Simplified Issue Final Expense Requires a short set of health questions but no medical exam. Approval is usually within days. Premiums are lower than guaranteed issue, and coverage starts immediately.

Guaranteed Issue Final Expense No health questions, no medical exam. Anyone within the age range can qualify. Premiums are higher, and most policies have a two-year waiting period before the full death benefit is paid for natural causes. Accidental death is usually covered from day one.

Our team helps you figure out which type you qualify for and which one actually makes sense for your situation.

How much coverage do you need?

The right amount depends on the costs your family would actually face. For most people:

$10,000 to $15,000 covers a basic funeral and burial
$15,000 to $25,000 covers a standard funeral plus some final debts
$25,000 to $50,000 covers a funeral, medical bills, and leaves money for the family

If you want to work through this for yourself, download our free Final Expense Coverage Worksheet.

What affects your rate

Age at the time you apply (younger is always cheaper)
Gender (female rates are usually slightly lower)
Tobacco use
Health history and current conditions
State of residence

What our team does

We compare the top final expense carriers across the country and match you to the one most likely to approve you at the lowest rate. We explain every policy in plain English. If you decide to move forward, we handle the application with you. If not, you owe us nothing.

See what you qualify for.

A quick quote takes about two minutes. Our team will follow up with real options, not a wall of quotes.