Final Expense Insurance
Protect your family from funeral costs
The average funeral costs over $8,000. Final expense insurance makes sure your loved ones aren't left with that burden. Plans start at $20/month with no medical exam required.
Understanding Your Options
What is final expense insurance?
Final expense insurance — sometimes called burial insurance or funeral insurance — is a type of whole life policy with a smaller face value, typically between $5,000 and $50,000. It's designed specifically to cover the costs that come at the end of life so your family can grieve without financial stress.
Unlike traditional life insurance, final expense policies are easy to qualify for. Most don't require a medical exam — just a few health questions on the application. Premiums are affordable, locked in for life, and the coverage never expires as long as you pay your premium.
It's especially popular among adults aged 50 to 85 who want to make sure their funeral, burial, and any remaining bills are taken care of without draining their family's savings.
What Final Expense Insurance Covers
- ✓Funeral and burial services
- ✓Cremation costs
- ✓Outstanding medical bills
- ✓Credit card and personal debt
- ✓Legal and probate fees
- ✓Travel expenses for family members
Benefits
Why families choose final expense
Affordable Premiums
Plans start as low as $20/month. Your rate is locked in and never increases, no matter how old you get.
No Medical Exam
Most plans require just a few simple health questions. No doctor visits, no blood tests, no waiting for lab results.
Fast Approval
Many applicants are approved the same day they apply. Coverage begins immediately — no delays, no uncertainty.
Peace of Mind
Knowing your family won't be burdened with unexpected costs is one of the most loving things you can do.
Compare
Final Expense vs. Whole Life vs. Term Life
Not sure which type of coverage is right for you? Here's a quick side-by-side comparison.
| Feature | Final Expense | Whole Life | Term Life |
|---|---|---|---|
| Coverage Amount | $5K – $50K | $25K – $1M+ | $50K – $1M+ |
| Duration | Lifetime | Lifetime | 10, 20, or 30 years |
| Medical Exam | Usually not required | Often required | Often required |
| Monthly Cost | $20 – $60 | $50 – $300+ | $15 – $100+ |
| Cash Value | Small amount | Yes, grows over time | No |
| Best For | Covering funeral & end-of-life costs | Long-term wealth & protection | Temporary high-coverage needs |
Not sure which is right for you? Get a free quote and we'll help you figure it out.
Eligibility
You may qualify if you're 50 – 85
Final expense insurance is designed for seniors and older adults. Here's what to expect based on your age group:
Ages 50 – 64
Widest selection of plans. Lowest premiums. Easiest approval.
Ages 65 – 74
Many plans still available with no medical exam. Rates are affordable and locked in.
Ages 75 – 80
Simplified-issue and guaranteed-issue plans available. Slightly higher premiums but still accessible.
Ages 80 – 85
Guaranteed-issue options available — no health questions at all. Coverage amounts may be limited.
Not in these age ranges? We can still help. Request a quote or call (910) 994-7998 and we'll explore your options together.
Give your family peace of mind.
A final expense policy can be in place by tomorrow. No medical exam, no lengthy applications — just simple, affordable protection.