Take that worry off your family's plate.
Final expense insurance covers funeral costs, medical bills, and other end-of-life expenses -- so your family can focus on healing, not finances.
Why families choose final expense
No Medical Exam
No needles, no lab work, no waiting weeks for results. Just answer a few health questions and you're on your way.
Guaranteed Acceptance
Many final expense policies offer guaranteed issue -- meaning you can't be turned down regardless of health conditions.
$5k–$50k Coverage
Right-sized coverage designed to handle funeral costs, medical bills, and other final expenses without overpaying for insurance you don't need.
Quick Approval
Most applications are approved within 24–48 hours. Some carriers approve on the spot. No drawn-out process.
Planning ahead is an act of love
Nobody likes to think about end-of-life expenses. But the reality is that funerals, medical bills, and outstanding debts don't go away when someone passes. Without a plan, those costs fall directly on the people you love most. Final expense insurance is a simple, affordable way to make sure that doesn't happen.
These policies are designed to be easy to get -- no medical exams, no long applications, and no complicated underwriting. Most people are approved within a day or two, and many carriers offer guaranteed acceptance regardless of health. Coverage amounts typically range from $5,000 to $50,000, which is enough to cover a funeral, outstanding bills, and give your family a financial cushion.
The premiums are fixed for life, so you'll never face an unexpected increase. And because final expense is a type of whole life insurance, your coverage never expires. It's one of the most straightforward, stress-free ways to protect the people you care about -- and it takes less than 10 minutes to get started.
Frequently asked questions
Final expense insurance covers the costs your family would face after you pass away, including funeral and burial expenses, outstanding medical bills, credit card debt, and other end-of-life costs. The average funeral in the U.S. costs $8,000–$12,000, and final expense insurance makes sure that bill doesn’t land on your loved ones.
No. Most final expense policies require no medical exam at all. Some ask a few simple health questions (called “simplified issue”), and others accept everyone regardless of health (“guaranteed issue”). Either way, there are no needles, no lab work, and no lengthy underwriting process.
Premiums typically range from $30 to $70 per month depending on your age, health, and coverage amount. Because the coverage amounts are smaller ($5,000–$50,000), premiums stay very affordable, even for applicants in their 70s and 80s.
Final expense insurance is actually a type of whole life insurance. It lasts your entire life and builds a small amount of cash value. The main difference is the coverage amount: final expense policies are designed for smaller amounts ($5k–$50k) and are much easier to qualify for.
Yes. The death benefit is paid directly to your beneficiary, and they can use it for anything, including funeral costs, rent, groceries, outstanding bills, or whatever they need. There are no restrictions on how the money is spent.
Stop putting it off.
Your family is worth 10 minutes.
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