Request a Free Final Expense Quote

Speak with a licensed final expense specialist and receive personalized coverage options in minutes.

Request a Free Final Expense Quote

New 2026 Final Expense Burial & Cremation Plans Now Available

Designed for seniors on a fixed income, most qualify for coverage with:

✔ No Medical Exam

✔ Approval with Pre-Existing Conditions

✔ No Waiting Period Options

✔ Same-Day Coverage Available

📞 Takes less than 30 seconds to check your eligibility below.

Frequently Asked Questions

Common questions about final expense coverage.

What is final expense life insurance?

Final expense life insurance is a type of whole life policy designed to help cover funeral costs, medical bills, and other end-of-life expenses so your loved ones are not left with financial burdens.

Who qualifies for coverage?

Most seniors between ages 50–85 can qualify. Regardless of health, there are plans available. Many plans do not require a medical exam, and approval is often based on simple health questions. Approval status is given over the phone with your licensed final expense specialist so you aren't left guessing wether you were approved or not .

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How much coverage do I need?

It depends on wether you want to have enough to cover a cremation or traditional burial and or leave money behind for loved ones. Your licensed final expense specialist has a tool to help you look up average cost of cremations , burials in your area and help you create a plan that best fits your unique situation without stress.

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How long does the application process take?

Applications are simple and can often be completed over the phone in minutes with most same day approval .

Will my rates ever increase?

Most final expense policies have fixed premiums, meaning your monthly payment stays the same as long as the policy remains active.

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Are there affordable plans for fixed incomes ?

Most final expense plans are designed to be affordable for seniors on a fixed income such as disability and SSI, most companies offer social security billing to align your payment to draft on same day as your social security schedule to avoid lapses and offer peace of mind and ease to prevent cancellations due to nonpayment.

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Whats the difference between Term insurance & Whole life insurance ?

Whole life insurance last your whole life , It will never cancel due to age or health the price stays the same and it never goes up . Term insurance is for a term such as 10 years , 20 years , 30 years , etc .. The premium is usually less expensive than whole life insurance with higher coverage amounts because the coverage is only for a temporary set period only designed to give protection for a set period of time , not for a life time such as whole life , approval is more strict when it comes to health unlike whole life everyone may not qualify.

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