Final Expense Insurance
Cover the costs, not your family
A small, affordable policy built to cover funeral costs and final bills — so the people you love aren't left with the burden.
Dignity preserved
Final expense insurance (sometimes called burial insurance) is a small whole life policy, typically $5,000–$25,000, designed to cover funeral costs, medical bills, and other final expenses. Applications are short, underwriting is simplified or guaranteed, and coverage can often be approved same-day.
How it works
From conversation to coverage.
Pick a coverage amount
Most families choose between $5,000 and $25,000 based on funeral costs and any outstanding bills.
Answer a short health questionnaire
No medical exam. A handful of health questions determine your rate class.
Get approved — often same day
Simplified and guaranteed-issue options mean most applicants know their outcome immediately.
Coverage is permanent
Once in force, the policy lasts your whole life with premiums that never increase.
Why it matters
No medical exam
Approval is based on a short questionnaire, not a paramedical exam.
Same-day approval available
Most applicants get a decision immediately, not weeks later.
Affordable, fixed premiums
Small monthly payments that never increase, for coverage that never expires.
Who it's for
- Seniors who want to spare their family the cost of a funeral
- Anyone with health conditions that make traditional coverage harder to qualify for
- Families who want guaranteed, permanent coverage with minimal underwriting
Common questions
Ready to talk through your final expense options?
Free, no-obligation consultation with a licensed advisor — takes less than 60 seconds to get started.