What Is Final Expense Insurance?
Final expense insurance is a small whole life policy designed to cover end-of-life costs — funeral expenses, medical bills, and other debts — so your family isn't left with the financial burden.
Unlike term life insurance, final expense coverage lasts your entire life and your monthly payment never increases.
Coverage Details
- Coverage amounts: $5,000 to $25,000
- Ages: 50 to 85
- No medical exam — approval based on health questions only
- No waiting period on most plans — your family is covered from day one
- Fixed rate — your monthly payment is locked in for life
- Benefits paid to your beneficiary — they decide how to use the money
Average Funeral Cost in 2026
The average funeral costs $8,000 to $12,000. A final expense policy ensures your family can cover these costs without financial stress. Many families also use the benefit to pay off remaining medical bills or credit card debt.
Health Conditions We Cover
Many seniors worry they can't qualify because of health conditions. We work with carriers that cover:
- Diabetes (Type 1 and Type 2)
- High blood pressure
- COPD and respiratory conditions
- Heart conditions and history of heart attack
- Cancer survivors (in remission)
- And many more — call us to find out your options