If you live in Michigan and are between the ages of 50 and 85, final expense insurance may be the most important financial decision you make for your family. Also known as burial insurance, this whole life policy covers end-of-life costs so your loved ones are never burdened with unexpected bills.
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What Is Final Expense Insurance?
Final expense insurance is a small whole life policy — typically $5,000 to $25,000 — that pays a tax-free death benefit to your beneficiary. In Michigan, the average funeral cost ranges from $8,000 to $15,000. Without coverage, these costs fall entirely on surviving family members.
Why Michigan Residents Choose Final Expense Insurance
- Easy Approval: No medical exam required. Most applicants approved same day.
- Affordable Premiums: Starting as low as $20–$50/month.
- Guaranteed Death Benefit: Tax-free payout within 24–48 hours.
- Cash Value: Builds cash value you can borrow against.
- All Health Conditions Welcome: Diabetes, COPD, heart disease — you may still qualify.
Ready to protect your family? Speak with a licensed agent now.
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Sample Monthly Rates in Michigan
| Age | $10,000 | $15,000 | $20,000 |
|---|---|---|---|
| 55 | ~$28/mo | ~$40/mo | ~$52/mo |
| 65 | ~$42/mo | ~$60/mo | ~$78/mo |
| 70 | ~$55/mo | ~$80/mo | ~$104/mo |
| 75 | ~$75/mo | ~$110/mo | ~$143/mo |
Frequently Asked Questions
Q: Can I get coverage if I have health problems?
Yes. Final expense insurance is designed for seniors with health conditions. No medical exam is required.
Q: How quickly is the death benefit paid?
Most companies pay within 24–72 hours of receiving a completed claim and death certificate.
Q: What is the age limit in Michigan?
Most policies are available to applicants between ages 50 and 85.
Q: How do I compare companies in Michigan?
Call 1-866-332-1427. Our independent agents compare rates from multiple carriers at no cost.
Ready to protect your family? Speak with a licensed agent now.
Free quotes · No obligation · Licensed agents available now
Don’t wait — premiums increase with age. Call 1-866-332-1427 now for your free quote.
