Final Expense Insurance
Simple Coverage. Real Peace of Mind.
No medical exams. No complicated paperwork. Just straightforward protection for the people you love.
What Is Final Expense Insurance?
Coverage Designed for Life's Final Chapter
Final expense insurance — also called simplified whole life insurance — is a permanent life insurance policy designed specifically to cover end-of-life costs. Unlike traditional life insurance, it requires no medical exam and is available to most applicants regardless of health history.
Policies typically range from $5,000 to $25,000 and are designed to cover funeral costs, burial expenses, outstanding medical bills, and other final debts — so your family isn't left with financial burdens during an already difficult time.
Who Qualifies?
Coverage for Those Who've Been Turned Away
Traditional life insurance often denies coverage to people with pre-existing conditions. Final expense insurance was built for exactly those situations.
If you've been denied coverage before, you may still qualify. We work with multiple carriers to find the right fit for your situation.
How It Works
Three Simple Steps to Coverage
Schedule a Free Consultation
A licensed advisor will call you at a time that works for you. No pressure, no sales pitch — just an honest conversation about your needs and options.
Review Your Options
We compare plans from multiple trusted carriers to find the coverage that fits your budget and health profile. Most clients are approved within 24–48 hours.
Protect Your Family
Once approved, your policy is active immediately. Your beneficiaries receive a tax-free lump sum to cover final expenses — no questions asked.
What It Covers
More Than a Funeral
Funeral & Burial Costs
The average funeral costs $7,000–$12,000. Your policy ensures your family can give you the farewell you deserve without financial strain.
Medical Bills
End-of-life medical expenses can accumulate quickly. Final expense coverage helps settle outstanding balances so your family starts fresh.
Outstanding Debts
Credit cards, personal loans, and other debts don't disappear. Your policy can help settle these so loved ones aren't left responsible.
Living Expenses
Any remaining funds can help a surviving spouse or family member cover rent, utilities, or daily living costs during the transition.
Common Questions
Answers You Deserve
No. Final expense insurance uses a simplified application with a few health questions. There is no physical exam, no blood draw, and no waiting for lab results.
Most families choose between $10,000 and $20,000. A licensed advisor can help you estimate your specific needs based on your wishes and local costs.
Most claims are paid within 24–72 hours of submission. The benefit is paid directly to your named beneficiary as a tax-free lump sum.
Most final expense policies are available to applicants between ages 45 and 85. Age alone is rarely a disqualifying factor.
Being denied by one carrier doesn't mean you're uninsurable. We work with multiple carriers and can often find coverage for people who have been previously declined.
Yes. Your premium is locked in at the rate you're approved for and will never increase — regardless of changes to your health or age.
Ready to Protect Your Family?
A free, no-obligation consultation takes less than 15 minutes. Let's find the right coverage for you.