Affordable Final Expense Coverage Starting at $15/mo

Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral services, burial or cremation, outstanding medical bills, and other debts. Policies typically range from $5,000 to $50,000 and feature fixed premiums that never increase and a death benefit that never decreases.

No. Most final expense policies require no medical exam. You answer a few simple health questions, and most people are approved the same day — even with common pre-existing conditions like diabetes, high blood pressure, or COPD.

Premiums depend on your age, gender, health, and coverage amount. Most people pay between $15 and $70 per month. The younger and healthier you are when you apply, the lower your rate — and it is locked in for life once approved.

Yes. The death benefit is paid directly to your beneficiary as a tax-free lump sum. They can use it for funeral costs, medical bills, mortgage payments, credit card debt, or any other expenses.

Most carriers process and pay claims within 24 to 48 hours of receiving the required documentation. This is significantly faster than many other types of life insurance.