Final Expense Insurance for Your Family
Covers funeral and burial costs so your family does not have to come up with the money on short notice. No medical exam required.
Key Benefits of Final Expense Insurance
No Medical Exam Required
Apply without any medical exams. Just answer a few simple health questions and get approved quickly.
Guaranteed Acceptance (Ages 50-85)
If you're between 50 and 85, you can get coverage regardless of your health conditions through our guaranteed acceptance plans.
Coverage Starts Quickly
Simplified issue plans start coverage the day your policy is issued. Guaranteed acceptance plans may include a graded benefit period of up to 24 months.
Low Premiums
Rates for $5,000 to $25,000 in coverage, and they never go up. Call for a quote.
Covers All Funeral Costs
According to the NFDA, the median burial funeral costs $8,300 and cremation $6,280. Our plans are sized to fully cover these expenses and more.
Pays Beneficiaries Directly
The death benefit is paid directly to your named beneficiaries, who can use it for any purpose without restrictions.
Who Is Final Expense Insurance For?
Seniors ages 50-85 looking for end-of-life coverage that fits their budget
Anyone who wants burial and funeral costs handled before they need to be
Families wanting to avoid financial burden during difficult times
Individuals who may not qualify for traditional life insurance
Get covered in 3 simple steps
Call us
Speak with a licensed agent who will help you understand your final expense options.
Choose your plan
Select the coverage amount that fits your needs. Plans range from $5,000 to $25,000.
Get covered
Get approved quickly with no medical exam. Your coverage starts right away.
Final Expense Insurance FAQ
Common questions about final expense coverage, eligibility, and how it protects your family.
The NFDA puts the national median at $8,300 for a burial funeral and $6,280 for cremation. In New Hampshire, burial runs about $8,985 and cremation $7,023. Final expense insurance covers these costs so your family does not have to.
No. Final expense insurance does not require a medical exam. Simplified issue policies ask a few basic health questions and can approve you the same day. Guaranteed issue policies accept everyone ages 50-85 with no health questions, though they may include a two-year graded benefit period.
Simplified issue policies ask a few health questions and typically offer full coverage right away at lower premiums. Guaranteed issue policies accept everyone regardless of health, but usually include a graded death benefit, which means the full payout starts after 2-3 years. If you can qualify for simplified issue, it is generally the better deal.
Final expense insurance pays a lump-sum death benefit directly to your named beneficiaries. They can use the funds for funeral and burial costs, outstanding medical bills, credit card debt, or any other purpose. There are no restrictions on how the benefit is used.
Most seniors pay between $30 and $70 a month, depending on age, health, gender, and coverage amount. For a $10,000 policy, a 65-year-old non-smoker might pay $45-$60 a month. Call us at (888) 550-7159 for an exact quote.