Affordable coverage to protect your loved ones from end-of-life costs.
Final expense insurance is a type of smaller whole life policy specifically designed to cover the costs associated with end-of-life expenses. With coverage amounts typically ranging from $5,000 to $50,000, it provides a focused financial safety net for your family during one of life's most difficult moments.
Unlike traditional life insurance that may aim to replace decades of income, final expense insurance is purpose-built to handle immediate costs such as:
The goal is simple: ensure your family can grieve without the added weight of financial stress. Final expense insurance gives you the peace of mind that comes with knowing those costs are already taken care of.
Final expense insurance is designed to be one of the most accessible forms of life insurance available. The application process is straightforward, and most applicants can be approved quickly without the hurdles of traditional underwriting.
Instead of a lengthy medical evaluation, final expense policies use a simplified application. You will answer a short series of health-related questions — typically fewer than 15 — and there is no requirement for blood work, physicals, or lab tests. This makes the process faster and far less invasive.
One of the biggest advantages of final expense insurance is that no medical exam is required. This is especially important for seniors or individuals with pre-existing health conditions who may have difficulty qualifying for traditional life insurance policies.
Once your policy is issued, your premium is locked in and will never increase. Whether you are 55 or 80, the amount you pay each month stays the same for the life of the policy. This makes budgeting simple and predictable, even on a fixed income.
Benefits are paid directly to your named beneficiary, typically within days of a claim being filed. Your beneficiary can use the funds for any purpose — there are no restrictions on how the death benefit is spent.
Final expense insurance removes the barriers that keep many people from getting covered.
Skip the doctor visits, blood draws, and lab work. Final expense policies are issued based on a simple health questionnaire — nothing more. Approval can happen the same day you apply.
The application process is streamlined with just a handful of yes-or-no health questions. No lengthy paperwork, no waiting weeks for results. Most applicants receive a decision within 24 to 48 hours.
Because coverage amounts are smaller (typically $5K-$50K), monthly premiums are highly affordable — often just $30 to $70 per month. Premiums are fixed and will never increase over the life of the policy.
Final expense insurance is designed for people who want affordable, guaranteed coverage without the complexity of traditional policies.
Final expense insurance is specifically designed for older adults. Coverage is available for individuals between the ages of 50 and 85, and premiums remain affordable even at advanced ages. If you are on a fixed income, this is one of the most budget-friendly coverage options available.
Pre-existing conditions like diabetes, high blood pressure, or COPD often make it difficult to qualify for traditional life insurance. Final expense policies use simplified issue underwriting, meaning more people can qualify — even with health challenges.
No parent wants their children to scramble to cover funeral costs during an already emotional time. Final expense insurance ensures your end-of-life expenses are handled, giving your family the space to grieve without financial pressure.
If you carry outstanding debts — credit cards, medical bills, or personal loans — a final expense policy can prevent those debts from becoming your family's problem. The death benefit can be used to settle remaining obligations and protect your estate.
Final expense insurance offers a set of distinct advantages that make it one of the most practical coverage options for seniors and their families.
While final expense insurance is an excellent option for many people, it is important to understand a few key details before choosing a policy.
I always recommend having an honest conversation about your goals, health, and budget before selecting a policy. That is exactly what our free consultation is for.