Final expense insurance · Ages 50 to 80
Don't leave your family with the bill.
A funeral with burial now has a median cost of $8,300, before cemetery costs. Final expense insurance pays your family so they don't have to cover it.
- Many people qualify for full coverage from day one
- No medical exam, and no-health-question options for ages 50 to 80
- Your rate is typically locked in for life
- Since 2006Licensed to sell life insurance
- 7 statesUT, ID, AZ, FL, TX, MO, MI
- Real agentNot a call center
- No pressureNo obligation to buy
What funerals cost today
These are national medians. Prices in your area can be higher or lower, and they keep going up.
Median cost of a funeral with viewing and burial
Median cost of a funeral with viewing and cremation
Source: National Funeral Directors Association, 2023 General Price List Study. Figures do not include cemetery costs such as a plot, marker, or headstone.
Three ways to qualify
Your health decides which type of policy you get. We'll always look for the best one you qualify for first.
Level
Pays the full benefit from day one. For people in average or better health, based on a few health questions.
Graded
Pays a reduced benefit for death from natural causes during the first couple of years, then the full benefit after that.
Guaranteed issue
For ages 50 to 80. You can't be turned down for health. Usually has a waiting period, commonly two years, before the full benefit is paid for death from natural causes.
How it works
Most people are done in one phone call.
Get your quote
Fill out the short form or call. A licensed agent will reach out, not a call center.
Answer a few questions
We'll go over your health and budget to find the best policy you qualify for.
Pick what fits
We'll explain the options in simple terms. If nothing fits, no hard feelings.
Final expense insurance questions
What is final expense insurance?
Final expense insurance is a small whole life insurance policy that pays a cash benefit to your beneficiary when you die. Most people use it to pay for a funeral, burial or cremation, and bills left behind, but your beneficiary can use the money however they need.
How much does a funeral cost?
According to the National Funeral Directors Association's 2023 study, the median cost of a funeral with viewing and burial was $8,300, and the median cost of a funeral with viewing and cremation was $6,280. Those figures don't include cemetery costs like a plot or headstone.
How much does final expense insurance cost?
Your monthly cost depends on your age, your health, whether you smoke, and how much coverage you choose. The best way to find out is a quick quote. We'll show you real prices, and you decide if any of them fit your budget.
What's the difference between level, graded, and guaranteed issue?
A level policy pays the full benefit from day one. A graded policy is for people with some health issues and pays a reduced benefit for death from natural causes during the first couple of years, then the full benefit after that. A guaranteed issue policy asks no health questions, is available for ages 50 to 80, and usually has a waiting period, commonly two years, before the full benefit is paid for death from natural causes.
Can I be turned down for final expense insurance?
With a guaranteed issue policy, you can't be turned down because of your health if you're between 50 and 80. Many people also qualify for level coverage with full benefits from day one, so it's worth answering a few health questions first.
Will my premium go up or my coverage expire?
Most final expense policies are whole life insurance, so the premium is typically locked in and the coverage lasts for life as long as premiums are paid. We'll confirm how the specific policy works before you apply.
Do I need a medical exam?
No. Final expense policies don't require a medical exam. Level and graded policies ask health questions, and guaranteed issue policies ask none.
Give your family one less thing to worry about.
One call or a 30-second form. Straight answers. No pressure.