Your Family
Deserves a
Soft Landing.
Final expense insurance is a small, affordable policy that covers funeral costs and end-of-life bills — so your loved ones never have to scramble.
Call 1-800-COVERED$9,420
Average U.S. funeral cost (NFDA 2023)
50–85
Age range — most qualify, even with health conditions
$30/mo
Typical starting premium for a healthy 55-year-old
1 call
That's all it takes — same-day approval is common
A Simple Policy.
A Priceless Gift.
Final expense insurance is a type of whole life insurance with a face value between $5,000 and $25,000. It covers funeral services, burial or cremation, medical bills, and small debts after you pass away.
Unlike term life insurance, it never expires and builds a small cash value over time. Most people are approved with just a few health questions — no medical exam.
Check if you qualify"The average American family has less than 3 weeks of savings to cover a $9,000 funeral."
Who This Is For
You don't need to be in perfect health.
You just need to care.
Final expense insurance is built for adults aged 50 to 85 — especially those on a fixed income, those who don't qualify for large traditional policies, or anyone who simply wants to spare their family the burden of end-of-life costs.
Fixed income
Premiums that fit any budget, starting around $30/month
Health conditions
Guaranteed-issue options available — no questions asked
No existing coverage
First-time applicants welcome at any age 50–85
Planning ahead
Lock in low rates now before health or age affects pricing
Final Expense vs. Traditional Life Insurance
Final Expense Insurance
- $5,000–$25,000 in coverage
- No medical exam needed
- Ages 50–85 accepted
- Fixed premiums, never expire
- Approved in days — sometimes hours
Traditional Life Insurance
- — $100,000+ coverage required
- — Medical exam often required
- — Harder to qualify over 65
- — Term policies expire
- — Can take weeks for approval
Common Questions
Answered Plainly.
Do I need a medical exam?
No. Most final expense policies only ask a few simple health questions — no doctor visits or blood tests required.
What ages qualify?
Most policies accept applicants between age 50 and 85. Even those with health conditions typically find coverage options.
How much does it cost?
Premiums typically range from $30 to $150/month depending on your age, health, and the coverage amount you choose.
When does coverage begin?
Many policies provide immediate coverage upon approval. Some guaranteed-issue plans have a 2-year waiting period.
Keep Learning
At Your Own Pace
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