Cover your funeral costs. Protect the ones you love.
Affordable whole life coverage that helps your family pay for your funeral, medical bills, and final costs. One quick phone call is all it takes.
Talk to a real person. No pressure, no obligation.
See if you qualify today
Plans for seniors ages 50 to 85
- Coverage from $2,000 up to $50,000
- Money paid directly to your family, tax free
- Approval by phone, often the same day
*Sample rate. Your price depends on your age, health, and coverage amount.
What is final expense insurance?
Final expense insurance, sometimes called burial or funeral insurance, is a small whole life policy made for seniors. It is built to cover the bills your family would otherwise have to pay after you are gone.
When you pass away, the policy pays a set amount of cash to the person you choose. They can use it for the funeral, unpaid medical bills, or anything else. Because it is whole life coverage, your price is locked in and the policy stays in force for the rest of your life.
Most plans are easy to get. Many need no medical exam, and there are options that accept you even if you have health problems or have been turned down before.
Final expense at a glance
- Who it is for
- Seniors ages 50 to 85
- Coverage amounts
- $2,000 to $50,000
- Medical exam
- Not required
- Your rate
- Locked in for life
- Benefit paid to family
- Usually tax free
- How to apply
- One phone call
Simple coverage, made for seniors
Everything about a final expense policy is designed to be easy, affordable, and dependable.
No medical exam options
Answer a few simple health questions by phone. Many plans need no exam at all, and guaranteed acceptance options exist for ages 45 to 85.
Your rate is locked in
Your monthly payment is set the day you start and is guaranteed never to rise, no matter how old you get or how your health changes.
Coverage that never expires
As long as you pay your premium, your policy stays in force for the rest of your life. It cannot be cancelled because of your age or health.
Money goes to your family
The benefit is paid straight to the person you choose, usually tax free. They can use it for the funeral, medical bills, or anything else.
Fast and easy by phone
No long forms and no doctor visits. A licensed agent walks you through it in one call, and many people are approved the same day.
Peace of mind, guaranteed
Know that the people you love will not be left with a bill during the hardest time of their lives. That is what this coverage is really about.
A funeral today can cost more than $9,000
Funeral prices have climbed year after year. Without a plan in place, that bill often lands on a spouse or the children, right when they are grieving.
A final expense policy sets that money aside now, so your family can focus on saying goodbye instead of worrying about how to pay for it.
See how it works ↓Median cost of a funeral with burial in 2026, before cemetery, headstone, and other costs are added.
Getting covered is simple
No paperwork to mail, no computer needed. Just pick up the phone.
Call the number
Dial (800) 000-0000 and a licensed agent will answer your questions. There is never any cost or obligation to call.
Get your quote
Answer a few simple questions and your agent will find the plans you qualify for and compare prices from trusted carriers.
Rest easy
Choose the plan that fits your budget and lock in your rate. Many people are approved the same day, right over the phone.
Three kinds of plans
Your agent helps you find the best fit. Here is how they compare, in plain language.
Level benefit
For those in fairly good health. Full coverage starts right away.
- Lowest monthly rates
- Full benefit from day one
- A few simple health questions
Simplified issue
For those with some health conditions who still want quick approval.
- No medical exam
- Common conditions accepted
- Approval often the same day
Guaranteed acceptance
For those who have been turned down before. You cannot be declined.
- No health questions
- No medical exam
- Guaranteed approval, ages 45 to 85
Good to know: guaranteed acceptance plans usually pay a reduced amount if you pass away from natural causes in the first two years, then the full benefit after that. Your agent will explain exactly what each plan does before you decide.
Sample monthly rates
Examples for $10,000 in coverage. Your own rate is set for life the day you start.
| Your age | Women, from | Men, from |
|---|---|---|
| Age 50 | $30 / mo | $38 / mo |
| Age 60 | $55 / mo | $73 / mo |
| Age 70 | $87 / mo | $115 / mo |
| Age 80 | $125 / mo | $164 / mo |
These figures are examples only and do not represent a quote or an offer of insurance. Your actual premium depends on your age, gender, health, tobacco use, the coverage amount you choose, your state, and the carrier. Call for a real quote built for you.
Your family decides how to use it
- Funeral, burial, or cremation costs
- Unpaid medical and hospital bills
- Credit cards and other debts left behind
- Everyday bills while the estate is settled
- A little something left for the grandchildren
It is real life insurance, not a burial contract
Final expense insurance is a whole life policy. The benefit is paid in cash to the person you name, so they are free to use it however it is needed most. It is not tied to any one funeral home.
Because it is permanent coverage, it also builds cash value over time and stays with you for life.
Talk it through: (800) 000-0000Most people qualify
Even if you have health problems or have been turned down before, there is very likely a plan for you.
You may be wondering
Do I have to take a medical exam?
No. Most final expense plans need no medical exam. You answer a few simple health questions over the phone. There are also guaranteed acceptance plans that ask no health questions at all for ages 45 to 85.
Can I be turned down for my health?
Even with diabetes, heart trouble, or other conditions, there is very likely a plan for you. If you have been declined elsewhere, a guaranteed acceptance policy cannot turn you down because of your health.
How much does it cost?
It depends on your age, your health, and how much coverage you want. Many seniors pay somewhere between $20 and $100 a month. The best way to know your price is a quick, free call.
Will my rate ever go up?
No. With whole life final expense coverage, your monthly premium is locked in the day your policy starts and is guaranteed never to increase. Your coverage also never expires as long as you keep paying.
How is the money paid to my family?
When you pass away, the benefit is paid in cash directly to the person you name, usually free of income tax. They can use it for the funeral, medical bills, debts, or anything else they choose.
Is this a government program?
No. This is private life insurance offered through licensed insurance carriers. We are not part of, endorsed by, or connected to any government agency, Medicare, or Social Security.
What happens when I call?
A licensed insurance agent answers your questions, checks which plans you qualify for, and gives you clear prices. There is no cost and no obligation. You decide if and when you want to move forward.