We're an independent broker service for ages 50-79 who don't have final expense coverage yet and want to compare rates. Plans start at $25/month*, up to $50,000** in coverage.
We're not an insurance company. Licensed agents shop your rate across several top-rated final expense carriers, so if you're starting fresh or think you're overpaying, you get options instead of one company's offer.
If you haven't locked in coverage yet, many carriers offer no-exam plans with just a few health questions. (Availability varies by provider and health profile.)
Whether you have zero coverage today or want a second opinion on what you're currently paying, compare benefit amounts to match your budget and final wishes.
This service is for new business inquiries only and is not connected to any existing policy you may hold. For questions about a current policy, please contact your existing provider directly.
Final expense life insurance — also called burial insurance or funeral insurance — is a type of whole life policy specifically designed to cover the costs that come at the end of life. Unlike traditional life insurance, it doesn't replace income or pay off a mortgage. Its single purpose is to make sure your family isn't left with an unexpected financial burden at an already difficult time.
Coverage typically ranges from $2,000 to $50,000, and the benefit is paid directly to your named beneficiary as a tax-free lump sum. They can use it for anything — funeral and burial costs, cremation, outstanding medical bills, credit card debt, or any other final expenses.
Because it's whole life insurance, your coverage never expires as long as premiums are paid, and your premium is locked in at the rate you're approved for.
Over $9,000 (per the National Funeral Directors Association)
Up to $50,000 through Top Final Expense
No – many plans require only basic health questions
Final expense life insurance is built for people who want simple, affordable protection without the complexity of traditional life insurance. Here's who typically benefits most.
If you're between 50 and 79, you're in the primary eligibility window for final expense coverage. Many plans are specifically designed for this age group with straightforward approval processes.
Diabetes, heart conditions, COPD, and other health issues can make traditional life insurance difficult to obtain. Many final expense plans are available regardless of your health history, with no medical exam required.
The average funeral costs over $9,000. Final expense insurance ensures your family isn't left covering those costs out of pocket — or worse, facing difficult decisions at an already emotional time.
Final expense insurance is designed to be manageable on a retirement or Social Security income. Premiums never increase once your policy is issued.
Guaranteed issue plans accept everyone aged 50–79, regardless of health. No medical questions, no exam, no risk of being turned down — your coverage is guaranteed as long as premiums are paid. These plans typically include a 2-year waiting period before the full benefit is paid.
Speak to your licensed agentNot all burial insurance plans are the same. The right type depends on your age, health, and budget. Our licensed insurance agents will help you compare options from multiple carriers.
The most common and best-value final expense plan. Your full death benefit is available from day one — often no waiting period. You'll answer a short set of health questions, and approval is typically fast. Ideal for applicants in reasonably good health.
Guaranteed issue policies accept everyone aged 50–79, regardless of health. There are no medical questions and there is no medical exam. Because the insurer accepts all applicants, these plans typically include a 2-year graded period before the full benefit pays out.
Simplified issue plans ask a limited number of health questions — typically 3 to 8 — with no medical exam. If you can answer "no" to serious conditions like cancer, stroke, or kidney failure, you'll likely qualify for better rates than guaranteed issue while still avoiding a full medical underwriting process.
Some applicants are specifically looking for immediate coverage. No-waiting-period burial insurance provides your full death benefit from the day your policy is active, with no exclusion period for any cause of death.
Guaranteed issue plans accept everyone aged 50–79, regardless of health. No medical questions, no exam, no risk of being turned down — your coverage is guaranteed as long as premiums are paid. These plans typically include a 2-year waiting period before the full benefit is paid.
Speak to your licensed agentThe death benefit from a final expense policy is paid directly to your beneficiary as a tax-free lump sum. They can use it for any purpose — there are no restrictions. Most families use it to cover the following expenses.
The average cost of a funeral with burial in the US is $9,420 according to the National Funeral Directors Association. Most families have little to no savings set aside specifically for end-of-life costs. Without a final expense policy in place, loved ones are often left covering these costs out of savings, or turning to crowdfunding and family contributions at an already difficult time.
Speak to your licensed agentMany seniors ask why they should choose final expense over a traditional term life policy. Here's how the two compare.
These FAQs are drawn from the most common search queries in the account and address typical objections and questions from final expense insurance buyers.
Yes — the terms are used interchangeably. "Final expense insurance," "burial insurance," "funeral insurance," and "funeral expense coverage" all refer to the same type of product: a small whole life policy designed to cover end-of-life costs.
Yes. Final expense plans are specifically designed for seniors aged 50–79. Most carriers offer coverage well into your 70s, and guaranteed issue plans accept everyone in that age bracket regardless of health.
Yes. Most final expense plans don't require a medical exam. Simplified issue plans ask a small number of health questions. Guaranteed issue plans require no health questions at all. A licensed insurance agent will match you to the right option based on your health and budget.
Guaranteed issue accepts all applicants regardless of health — no questions asked. Simplified issue asks a short set of health questions but no medical exam. Simplified issue typically offers better rates and may provide immediate full coverage; guaranteed issue is the right choice when health conditions make other options unavailable.
Your actual premium depends on age, gender, health, coverage amount, carrier, and state. Speak to a licensed insurance agent for an accurate personalized quote.
Final expense insurance is whole life insurance — it doesn't expire. As long as you continue paying premiums, your policy stays in force for your entire life. There's no age at which coverage stops or needs to be renewed.
One of our friendly licensed agents will contact you shortly to talk through your situation and explain your options clearly.
There’s no obligation, the call is simply to help you understand what choices are available and what may work best for you.
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We're not an insurance company. Licensed agents shop your rate across several top-rated final expense carriers, so if you're starting fresh or think you're overpaying, you get options instead of one company's offer.
If you haven't locked in coverage yet, many carriers offer no-exam plans with just a few health questions. (Availability varies by provider and health profile.)
Whether you have zero coverage today or want a second opinion on what you're currently paying, compare benefit amounts to match your budget and final wishes.