Peace of mind for you. No burden for them.
Final expense is affordable whole life insurance that helps your loved ones pay for funeral costs, medical bills and other final expenses.
- ✓Coverage typically $5,000–$50,000
- ✓Premiums that never increase
- ✓Coverage that never expires
- ✓No medical exam — simple health questions
Get a final expense quote
Ages 50–85 · Fast and simple.
Funerals can cost $8,000–$12,000 or more
Without coverage, families often have to drain savings, use credit cards or ask relatives for help. Final expense coverage gives them a tax-free* benefit, usually paid quickly, so they can focus on each other.
*Death benefits are generally income-tax free to beneficiaries.
- Level benefit plans for healthier applicants
- Graded and guaranteed-issue options if you have health issues
- Lock in your rate — it won't go up as you age
- Builds cash value over time
- Choose who receives the benefit
Final expense FAQ
Who is final expense for?
Usually people ages 50–85 who want to make sure funeral and end-of-life costs are covered without leaving a burden on family.
Can I qualify with health problems?
Most people can. Some plans have immediate full coverage; others have a waiting period (graded or guaranteed issue). We find the best plan you qualify for.
Is this the same as a pre-need funeral plan?
No. Final expense pays your beneficiary in cash, so they can use it at any funeral home or for any expense.
Make it easier on the people you love.
A free, no-pressure review takes about 15 minutes by phone.