Final expense coverage · Ages 50–85
Leave behind love.
Not a bill.
Final expense insurance covers your funeral, medical bills, and what's left behind — so your family never has to. Coverage from $5,000 to $40,000. No medical exam. Rates locked for life.
No-exam options Rates never increase Licensed agents, no call centers
01 / Why this matters
The average funeral costs nearly $10,000.
Social Security pays $255.
When someone passes, the bills arrive fast — and they land on the people grieving. Most families don't have ten thousand dollars set aside, so they reach for credit cards, savings, or crowdfunding at the hardest possible moment.
Final expense insurance is a small whole life policy built for exactly this. Your family receives a tax-free cash benefit within days — to cover the funeral, settle final medical bills, and breathe. It's not about money. It's about making your last act one of care.
What a funeral actually costsUSD · 2026
Funeral home services$2,495
Casket$2,500
Burial plot & headstone$2,230
Vault$1,695
Embalming & preparation$1,075
* Representative figures based on national median funeral costs. Local prices vary.
02 / Coverage options
Three ways in.
There's one for your health, whatever it is.
Every plan is whole life: your rate is locked the day you're approved, the coverage never expires, and the cash benefit goes straight to your family — to use however they need.
Most popular
Level Benefit
Full coverage from day one at the lowest rates. A few health questions — no exam, no bloodwork, no doctor visit.
Modified plans
Graded Benefit
Coverage that steps up over the first two years, then pays in full. A practical middle path if some health questions are a “yes.”
No questions
Guaranteed Issue
Acceptance is guaranteed for ages 50–85 — no health questions of any kind. If you've been declined before, this is your yes.
Not sure which fits? A licensed agent will tell you in one ten-minute call — honestly.
Help me choose03 / How it works
Covered in days.
Often the same day.
No paperwork marathon, no pushy sales script. One conversation with a licensed agent who shops multiple carriers for you.
Step 01
Tell us about you.
A ten-minute call or a short form. Your age, your state, and roughly what you'd like covered — that's all we need to start.
Step 02
We shop the carriers.
We compare rates across multiple A-rated carriers and match your health profile to the plan that approves you at the best price.
Step 03
You choose your coverage.
Pick the benefit amount and monthly premium that fit your budget. No exams, no waiting on lab results — most answers are instant.
Step 04
You're covered.
Your rate is locked for life and your family is protected — often before you hang up the phone. Cancel anytime; no contracts.
04 / The comparison
Built for this one job.
Side by side with the alternatives.
| Term Life | Prepaid Funeral Plan | Final Expense | |
|---|---|---|---|
| Medical exam | Often required | None | Never — questions only, or none |
| Coverage lasts | Ends at term — often before you need it | Until used | Your whole life |
| Rates | Rise sharply on renewal | Large lump sum up front | Locked for life |
| Who gets the money | Your beneficiary | The funeral home | Your family, in cash |
| Funds can cover | Anything | That funeral home's services only | Funeral, medical bills, debts — anything |
| Issue ages | Harder to get past 65 | Any age | 50–85, guaranteed options |
Comparison is illustrative. Plan terms vary by carrier and state — your agent will walk you through the exact policy before you decide.
05 / FAQ
The questions families ask first.
It's a small whole life insurance policy — typically $5,000 to $40,000 — designed to cover funeral costs, final medical bills, and small debts. Your beneficiary receives the benefit as tax-free cash, usually within days of a claim.
No. There is never a medical exam, bloodwork, or doctor visit. Level and graded plans ask a few health questions over the phone; guaranteed issue plans ask none at all.
You can still be covered. Diabetes, heart history, COPD — most conditions fit a level or graded plan. And guaranteed issue plans accept everyone ages 50–85, no questions asked. Being declined elsewhere doesn't mean being declined here.
No. Your premium is locked the day your policy is issued and never increases — and your coverage never expires or decreases, as long as premiums are paid.
Premiums depend on your age, state, health, and the benefit amount you choose. Many policies start under $50 a month. A quote takes about ten minutes and never obligates you to anything.
Most claims are paid within days of filing — fast enough to cover funeral arrangements as they happen, not months later. The benefit goes directly to your beneficiary as cash.
Yes. There are no contracts or cancellation fees, and every policy includes a free-look period — typically 30 days — during which you can cancel for a full refund.
06 / Get your quote
Ten minutes today.
Peace of mind for good.
No hard sell, no obligation. Tell us a little about you and a licensed agent will call with real numbers — or call us right now.
Prefer to talk now?
(831) 245-4863Mon–Fri 8am–8pm ET · Sat 9am–5pm ET. You'll reach a licensed agent directly — never an automated menu.
Who you'll talk to
One person handles your quote from first call to approved policy. No transfers, no scripts.