Final expense insurance covers funeral costs and end-of-life expenses, easing the financial burden on your family when they need it most. Simple, affordable, and designed for peace of mind.
Typical coverage amounts for final expense policies
Final expense insurance is designed to help cover funeral costs and other end-of-life expenses, easing the financial burden on loved ones during a difficult time.
These policies are typically geared toward individuals age 65 and older and offer smaller coverage amounts, often ranging from $5,000 to $25,000. Many plans require minimal underwriting and may not require a medical exam.
Premiums are fixed — they'll never increase — and the policy builds cash value over time.
Guaranteed issue policies are available with no health questions and no medical exam required. If you've been turned down for other life insurance, this may be the right option for you.
Coverage is typically available immediately, with a graded death benefit during the first few years.
In most cases, no. Final expense policies typically require minimal underwriting, and guaranteed issue options require no health questions at all. We'll help you find the right plan based on your health situation.
No. Final expense policies are whole life insurance with fixed premiums. Once you lock in your rate, it stays the same for the life of the policy. Your benefit also never decreases.
Simplified issue asks a few health questions but offers immediate full coverage and lower rates. Guaranteed issue asks no health questions but typically has a graded death benefit during the first 2-3 years. We'll help you choose.
These policies are designed for individuals age 50 and older, with the most common age range being 65-85. The younger you are when you enroll, the lower your premium — but it's never too late to protect your family.
Book a free consultation to explore final expense options. Simple, affordable protection for the people who matter most.