What Is Final Expense Insurance?

Final expense insurance is a small whole life insurance policy designed to cover end-of-life costs, funeral, burial or cremation, and any final bills.

When you pass away, the benefit is paid in cash directly to the beneficiary you choose. There are no restrictions on how they use it, so they can handle the funeral, settle remaining bills, or keep whatever is left. It's one of the most caring, practical things you can leave behind.

$9k–$15k

Typical burial cost

$5k–$7k

Typical cremation cost

Up to $40k

Coverage available*

Why People Choose It

No medical exam. Most plans ask only a few simple health questions, and some ask none at all.
Fixed premiums. Your rate is locked in and never goes up.
Coverage that never expires as long as premiums are paid.
Day-one coverage available for those who qualify based on health.
Available to many adults up to age 85.

How It Works

1. Answer a few questions

A licensed agent asks about your age, health, and how much coverage you'd like, over the phone.

2. We shop the carriers

As independent brokers, we compare the big, familiar companies to find the plan you're most likely to qualify for, at the best rate.

3. Your family is protected

Once approved, your coverage is in place and your premium is locked in for life.