Skip to content
Help with funeral and final expenses.
Whole life coverage designed for ages 50 to 85. Many require no medical exam, with premiums that won't increase and coverage that won't expire as long as premiums are paid. A licensed insurance agent who handles your area can walk you through what's available in your State.
Availability, premiums, underwriting requirements, and any waiting periods or modified-benefit terms vary by carrier, state, age, and applicant health. Some plans use graded benefits or guaranteed-issue terms; the licensed agent will explain how each option actually works before you decide.
Built for older adults
Plans are designed for people in the 50 to 85 age range, with options that fit different health situations and budgets.
Often no medical exam
Many plans use health questions only, with no medical exam required. Whether an exam is needed depends on age, state, carrier, and the specific plan.
Predictable by design
Premiums won't increase and coverage won't expire as long as premiums are paid. No surprise rate hikes as you age.
A small whole life policy, for one specific job.
Final expense insurance is a small whole life insurance policy. Whole life means it stays in force as long as premiums are paid, not just for a set term. Most policies are sold in the $5,000 to $25,000 range, with options up to $50,000 available, because the policy is designed to do one specific job: help your family cover the costs that come at the end of life.
That can include funeral and burial costs, outstanding medical bills, small debts, or whatever your family decides is most useful. The benefit goes to the person you name, with no restriction on how it's spent.
Because the coverage amounts are smaller and the policies are designed for older adults, underwriting is often simpler than traditional life insurance. Many plans use health questions only and never require an exam. Approval timelines, premium amounts, and any waiting periods vary by carrier, state, age, and your individual eligibility.
Simple, and on your terms.
Tell us a few things
ZIP code, age range, and what kind of coverage you're thinking about. Two minutes, no commitment.
We connect you with an agent
A licensed insurance agent who handles your area and works with multiple carriers, so you can compare what's actually available where you live.
Decide on your timeline
The same agent reviews your options, answers questions, and stays with you from start to finish. No pressure, no obligation, ever.
Verify anyone, before you talk to them.
Every U.S. insurance agent is listed in the National Insurance Producer Registry. Look anyone up free, no account needed. It is the same database state insurance regulators use.
Answers, in plain English.
The questions most people ask before they call. If yours isn't here, an agent can walk you through it.
What does final expense coverage typically cover?
How is this different from term life insurance?
Do I need a medical exam?
What if I have health conditions?
How much coverage do most people get?
What does it cost?
See what's available in your area.
Based on your answers, a licensed insurance agent who handles your area can walk you through options. No medical exam may be necessary depending on age, state, and carrier. No obligation, no pressure.