Final Expense Insurance Guide
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What Is Final Expense Insurance?
Final expense insurance — also called burial insurance or funeral insurance — is a type of whole life insurance policy designed to cover end-of-life costs. These include funeral expenses, burial costs, medical bills, and other debts left behind. Policies typically range from $5,000 to $25,000 and are available to seniors aged 50–85 with no medical exam required.
No Medical Exam
Approval based on a few health questions only
Affordable Rates
Coverage starting from as low as $20/month
Guaranteed Rates
Premiums never increase once your policy is issued
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Frequently Asked Questions
Who qualifies for final expense insurance?
Most seniors between the ages of 50 and 85 qualify for final expense insurance. Unlike traditional life insurance, there is no medical exam required. You simply answer a few health questions over the phone.
How much does final expense insurance cost?
Rates vary based on your age, health, and the amount of coverage you choose. Most policies range from $20 to $100 per month. A 65-year-old woman in good health can typically get $10,000 in coverage for around $35-$45 per month.
What does final expense insurance cover?
The death benefit can be used for any purpose — funeral costs, burial expenses, medical bills, credit card debt, or any other final expenses your family may face. The benefit is paid directly to your beneficiary, tax-free.
Can I be denied coverage?
Most people qualify for at least a guaranteed issue policy, which accepts all applicants regardless of health. If you have serious health conditions, a graded benefit or modified policy may be available. Call us to find out your options.
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