Ages 50 to 85 · No medical exam
Final expense insurance
Your final costs, covered.
Final expense insurance pays for the funeral and the bills you leave behind, so your family doesn't have to. A small whole life policy with a price that never goes up.
Prefer to talk it through? Most people do. Calls take about 15 minutes.
Coverage usually $5,000 to $25,000
Price never goes up
Coverage never goes down
Many plans decide in minutes
What it is
A small whole life policy, built for final costs.
- A whole life policy, usually $5,000 to $25,000, built to cover final costs.
- Lasts your whole life, as long as premiums are paid. It doesn't expire at a certain age.
- Your price is locked in the day you buy it and never goes up.
- Your coverage never goes down as you get older.
- No medical exam. You answer health questions by phone instead.
- Builds a small cash value over time.
- Pays the person you choose directly, and they can use it however they need.
What it can pay for
Whatever your family needs most.
Funeral or cremationThe service, casket or urn, and the funeral home
Burial plot and headstoneCosts that often surprise families
Medical billsLast hospital stays and bills that arrive later
Debts and credit cardsSo your balances don't fall on your family
Travel for familyFlights and hotels so everyone can be there
Anything elseA gift to a grandchild, your church or a cause you love
Three ways to qualify
There's an option for almost every health history.
Your answers to a few health questions decide which one fits. I check them against several companies to find you the best one.
Best price
Level
- Full coverage from day one
- For people in fair to good health
- Controlled conditions like blood pressure or diabetes often still qualify
Some health issues
Graded
- For health history that rules out level plans
- Accidental death is usually covered in full from day one
- Natural-cause death in the first 2 years usually pays a partial benefit or a refund of premiums, then full coverage after
No health questions
Guaranteed issue
- You can't be turned down for health reasons
- Usually for ages 50 to 80 or 85
- A 2-year waiting period: natural-cause death in that time usually returns premiums plus interest
A good fit if you…
- Are between 50 and 85
- Don't want your kids paying for your funeral
- Live on a fixed income and want a small, set price
- Have health issues that make other coverage hard to get
- Had coverage through work that ended when you retired
- Want coverage you set up once and don't have to manage
Maybe not the best fit if you…
- Need a large amount to replace income or pay off a mortgage. Term life usually fits better.
- Are under 50 and healthy. Term or whole life often costs less per dollar.
- Already have enough coverage to handle your final costs
What to expect
From first call to covered, step by step.
- 1A quick call or formAbout 15 minutes. We talk about who you want to protect and what fits your budget.
- 2Health questions, no examA short list of yes or no questions by phone. No needles, no nurse visit.
- 3A decision, often in minutesMany plans approve during the call. Some take a few days.
- 4Pick your payment dateMatch it to the day your Social Security or pension arrives.
- 5Your policy arrivesI go over it with you, and with your family if you'd like, so everyone knows where it is and who to call.
Common questions
Will my price ever go up?
No. Your price is set when the policy starts and stays the same for life.
What if I have health problems?
Many conditions still qualify for a level plan. If not, graded and guaranteed issue plans are there. I'll find the best one your health allows.
How fast does it pay my family?
Once the claim and death certificate are received, many companies pay within days to a couple of weeks.
What if I miss a payment?
Most policies have a grace period, usually about 30 days. Call me and we'll sort it out before it lapses.
Can I have more than one policy?
Yes. Many people add final expense on top of other coverage. I'll check what you already have first.
Give your family one less thing to worry about.
About 15 minutes. No medical exam. No obligation.
Get your final expense quote
About 2 minutes. No medical exam. No obligation.