Final Expense

Life Insurance

Here's everything you need to know about Final Expense life insurance, in simplest form...

What is Final Expense insurance?

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When someone dies, the body needs to be transported and then either buried in a cemetery or cremated. The family typically will want to have a funeral or memorial service as well.

THE PROBLEM These services are not cheap, and many families do not have $5,000-$20,000+ in excess cash sitting around to use on a moment's notice.

THE SOLUTION Final expense life insurance, also known as burial insurance or whole life insurance, is a type of life insurance specifically intended to cover burial, cremation, and funeral costs, medical bills, and other end-of-life expenses.

Am I eligible?

YES, if you're 45-90 years old.

To be eligible for final expense life insurance, for most insurance carriers, you need to be between the ages of 45-90.

If you're younger than 45, don't worry, you still have some options. Just contact us.

How much coverage can I get?

Between $5,000-$50,000

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Depending on your age and what plans you qualify for, you are able to be approved for coverage between $5,000-$50,000 on a single policy.

Most people get between $5,000-$25,000.

If you want more than $50,000 of coverage and your budget allows, you CAN do that by just getting multiple policies.

Is a medical exam required?

No!

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A medical exam is NEVER required to be approved for final expense life insurance.

❌ No Blood Test

❌ No Urine Test

❌ No need to leave your home

You can apply and get instant approval from the comfort of your own home, by phone.

Are there health questions?

For immediate coverage - YES.

For waiting period coverage - NO.

There are 2 main types of final expense life insurance.

You always want IMMEDIATE coverage, if possible.

We can get you approved for immediate coverage about 90% of the time, even if you've been declined previously from other carriers.

How much does it cost?

It depends on your AGE and HEALTH.

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The price for your final expense life insurance is based on 3 factors:

Age
Gender
Health history questions

Generally speaking, the older you are, the higher the cost. That's why it's always best to get life insurance right NOW, because you'll never be younger than you are currently.

However, once you're approved, the price is locked in and is guaranteed to never increase or change, even as you get older.

Important Tip: If an advertisement or TV commercial is claiming life insurance only costs "$9.95 a month," or "as low as $1/day," — it's not that simple — you will have to answer some additional questions to get an accurate quote for you individually. Everyone is different.

Is there a 2-year waiting period?

Probably not, but possibly.

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Because we work with ALL the top carriers, we can find clients immediate coverage about 90% of the time that covers them fully from the very first payment.

With certain serious or terminal health conditions, you are still eligible for coverage, but you are not fully covered until you live 24 months after the policy starts.

What are the best companies?

There are many good options.

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We work with over 20 of the top A-rated carriers in the country, so no matter what, you're going to get the BEST coverage available.

Ultimately, the best insurance company for you is the one that you are able to successfully apply to and receive APPROVAL from.

Each carrier has slightly different criteria on who they will and will not accept. That's where we come in. We'll help you figure out exactly who will accept you and at the best rate.

Here are some of the best options in the final expense market today: