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About FinalExpenseChoice

FinalExpenseChoice is a comparison and referral site for final expense insurance, the small whole life policies also sold as burial or funeral insurance. We do two things: we explain in plain English how these policies and the funeral costs behind them actually work, and we connect the people who decide they want a quote with a licensed insurance agent who can give them one.

We are not an insurance company. finalexpensechoice.com is not an insurance company or operating company but connects individuals with insurance providers, and products and services are provided exclusively by those providers. This site is an advertisement for life insurance. Not all plans are available in all states.

A lot of people arrive here in the week after a death in the family, holding a bill they were not expecting. Others are in their sixties or seventies and simply do not want to leave the cost to their children. Either way, you are entitled to know who is talking to you and how they are paid before you read anything else, so that is what this page is for.

What this site does

We publish explanatory pages and free calculators about one narrow subject: paying for a funeral, and the small life insurance policies people buy to cover it. That includes what final expense insurance is, how much coverage is usually enough, the difference between guaranteed issue and simplified issue, and a set of calculators that let you put your own numbers in rather than reading ours.

If, after reading, you want a real quote, you can ask for one through our quote request form. That request goes to a licensed insurance agent, who contacts you and quotes you. That is the whole business model, and it is described in full on our how we make money page.

What this site does not do

This matters more than the list above, because it is where most confusion starts. FinalExpenseChoice does not:

• underwrite or issue policies, or decide who qualifies for one;
• set premiums, approve applications, or promise anyone a rate;
• accept premium payments, hold your policy, or pay claims;
• act as the agent of any single insurance company, or represent that any one company is best;
• publish rate tables, star ratings or rankings of named insurers, because a real rate depends on your age, your health answers and your state, and any table that ignores those three things is decoration;
• give financial, legal, tax or medical advice. We explain how things generally work and then tell you who to confirm it with.

We are also not affiliated with, endorsed by, or acting on behalf of the Social Security Administration, the Department of Veterans Affairs, Medicare, or any other government agency. If you already own a policy, we cannot look up your account, change your beneficiary, or take a claim. Only your insurance company can do those things, and the number to call is on your policy or your premium notice.

Who this site is for

Mostly people between about 50 and 85 who want somewhere between $10,000 and $25,000 set aside so that a funeral, a cremation, or a few thousand dollars of loose ends do not land on their family. Often that is someone who has been told they cannot get life insurance because of diabetes or another pre-existing condition, which is usually not true. Often it is an adult child looking at coverage for a parent. And often it is someone who has just been handed a funeral home's price list and is trying to work out who pays when there is no money.

It is fair to say who this site is not for. If you are in your forties or early fifties, in good health, and your real problem is a mortgage or children at home, a final expense policy is the wrong tool and term life insurance will buy you many times more coverage for the same money. If you already have enough set aside and the discipline to leave it alone, you may not need a policy at all, and our insurance versus savings calculator will show you the arithmetic honestly, including the cases where saving wins.

What happens if you request a quote

The form is a request to be contacted, and it should be treated as exactly that. A licensed insurance agent, not this website, will call you at the number you provide. They will ask your date of birth, your state, whether you use tobacco, and a short list of health questions, and then quote real premiums from companies whose products are approved in your state.

Nothing about that call obliges you. No coverage exists until an insurance company issues a policy and the first premium is paid, and once a policy is issued you still have a free look period, printed in the policy itself, in which you can cancel for a full refund. Before the call, it is worth reading what to expect when you talk to an agent and our list of questions to ask before you buy, so that you are steering the conversation rather than following it. If you would rather not be called at all, do not use the form. Call us instead, or read the site and buy directly from any insurance company or through your own agent.

How the content here is written

Pages are written to explain how these products and costs generally work, using broad national ranges rather than pretending to know what a funeral home in your town charges. Where a calculator has a regional setting, it applies a cost-of-living adjustment to national averages and is not local price data. Where a figure is verifiable we use it and name the source, which is why the $255 Social Security death payment appears on so many of our pages: it is the entire federal contribution toward a funeral, and it has not changed since 1954. No insurance company pays for placement, coverage, or a kind word here. The whole standard is set out in our editorial policy, and the commercial side of it in how we make money.

What we are, and what we are not

FinalExpenseChoice is a consumer information and comparison website. It is not an insurance company, not an operating company, and not the agent of any single insurer. Nothing on this site is an offer of insurance, and no policy can be bought here. Policies are issued, underwritten and paid out by the insurance companies themselves.

Quotes come from licensed insurance agents, not from us. That gives you a verification route worth using: any agent who contacts you must hold a license issued by the insurance department of the state you live in, and you are entitled to ask for their full name and license number before you discuss anything at all. A properly licensed agent will give you both without hesitation. You can then check that license yourself, free, on your state insurance department’s website — every state publishes a public lookup. If anyone is reluctant to give you a license number, end the call.

Two limits worth stating plainly. Coverage is not available in every state, and not every plan described on this site is offered everywhere. And the figures in our articles and calculators are general ranges for planning, never quotes — only an agent looking at your age, your state and your health answers can tell you what you would actually pay.

How to reach us

A person answers the phone, and you are welcome to call with a question and no intention of buying anything.

• Phone: (888) 415-8284
• Email: [email protected]
• Contact form: our contact page

Our privacy policy sets out what we collect and who it is shared with, our do not sell or share my personal information page is how you limit that sharing, and our terms of use govern the site. If you want to start reading rather than talking, the site FAQ covers the questions we get most, and the glossary translates the words a funeral home or an agent will use.

Frequently Asked Questions

Is FinalExpenseChoice an insurance company?

No. finalexpensechoice.com is not an insurance company or operating company; it connects individuals with insurance providers, and products and services are provided exclusively by those providers. We publish explanations and calculators, and we pass quote requests to licensed agents. We do not underwrite policies, set premiums, decide who qualifies, or pay claims.

Does it cost anything to use this site?

No. The pages, the calculators and the quote request are all free, and a quote never costs money. We are paid when a visitor chooses to request a quote and is connected with a licensed agent or insurance partner, which is set out in full on our how we make money page. Your premium is not higher because you arrived through this site.

Will someone call me if I fill out the form?

Yes, and that is the purpose of the form. A licensed insurance agent will call the number you give to ask health questions and quote you properly, because no honest quote can be produced without those answers. The call commits you to nothing, and no coverage exists until an insurer issues a policy and the first premium is paid. If you would prefer not to be called, do not submit the form; call us at (888) 415-8284 instead.

Can you help me with a policy I already own?

No, and we would only waste your time trying. We cannot see your account, change a beneficiary, reinstate a lapsed policy or accept a claim. Call the insurance company printed on your policy or your premium notice, and if you cannot find it, your state insurance department can help you trace the company.

Who sees the information I submit?

The information is used to connect you with a licensed agent or insurance partner who can quote you. What is collected, who it is shared with and how long it is kept is described in our privacy policy, and you can limit or stop that sharing through our do not sell or share page. You can also simply tell the agent on the call to remove you.