Don’t Leave Your Family
With the Bill.
Affordable whole life coverage designed specifically to handle funeral costs, medical bills, and end-of-life expenses — so your family can grieve without financial stress.
Final Expense, in Plain English
Final Expense insurance is a small whole life policy designed for one specific job: covering the costs that come at the end of life. Think funeral, burial or cremation, medical bills, and any small debts left behind.
Coverage amounts typically range from $5,000 to $50,000 — small compared to traditional life insurance, but exactly the amount most families need to handle final costs without dipping into savings or borrowing money.
Unlike term insurance, Final Expense never expires. Your premium is locked in for life. Your beneficiaries get a guaranteed payout when you pass — usually within days, no probate required. And many policies don’t require a medical exam, which is why it’s the go-to choice for seniors and people with health issues.
Built for Peace of Mind
Final Expense is right for you if you want to make sure your family isn’t left scrambling to pay for your funeral and final bills — without paying premiums you can’t afford.
Seniors 50-85
Lock in affordable coverage that won’t expire. Most carriers issue policies up to age 85 — and some even older.
People With Health Issues
Many Final Expense policies are simplified-issue or guaranteed-issue — no medical exam, just a few health questions.
Fixed-Income Households
Premiums as low as $30-$50/month. Designed to fit Social Security and retirement budgets.
Parents Protecting Adult Kids
Don’t make your children pay for your funeral. A small policy keeps your final wishes covered.
People Pre-Planning Funerals
Lock in coverage today that pays out enough to cover whatever your family chooses — burial, cremation, services.
The Haitian Diaspora
Cover funeral and repatriation costs whether burial happens here or in Haiti. Plan for either possibility.
Real Numbers, No Surprises
Example monthly premiums for a non-tobacco user, $15,000 face amount, level death benefit. Actual rates depend on age, health, and carrier.
Three Steps. No Pressure.
Quick Conversation
15-minute call. I ask about your age, health, and budget. No paperwork yet.
Shop Multiple Carriers
I compare quotes from top-rated companies to find the lowest rate you qualify for.
Quick Application
Most applications take 20-30 minutes. Many policies issue same-day with no medical exam.
Which Policy Type Fits You?
Final Expense comes in three flavors based on your health. Here’s what each one means.
Healthier Applicants
Level Death Benefit
- Full coverage from day one
- Lowest premiums
- Standard health questions
- No waiting period
- Most carriers offer this
- Best price-to-coverage ratio
Some Health Issues
Graded or Guaranteed
- Coverage builds over 2-3 years
- Higher premiums
- Fewer or no health questions
- Guaranteed acceptance available
- 2-year waiting period typical
- For health conditions Level won’t cover
My job is to find you the best policy type you qualify for. Most clients qualify for Level — but if not, Graded or Guaranteed still gets you covered.
Questions People Ask Me
How much coverage do I really need?
Most families need between $10,000 and $25,000. The average U.S. funeral costs $8,000-$12,000. Add medical bills not covered by insurance, small debts, and a cushion for the family, and $15,000-$20,000 is a sensible target. We’ll work backwards from what your family actually needs.
Will I have to take a medical exam?
Almost never. Most Final Expense policies are simplified-issue: you answer 5-15 health questions on the application, and the carrier decides. If health issues disqualify you from simplified-issue, guaranteed-issue policies are available with zero health questions — but they cost more and have a 2-year waiting period.
Can I be denied coverage?
For Level coverage, yes — certain conditions (recent cancer, active heart failure, terminal illness) disqualify you. But Graded or Guaranteed policies are still available almost regardless of health. If you have a pulse and a checking account, I can find you SOMETHING.
Will the premium ever go up?
No. Whole life premiums are locked in for life. The rate you pay at signup is the rate you pay forever. Same with the death benefit — it never decreases as long as the policy stays in force.
How fast does my family get the money?
Usually within 7-14 days of submitting the death certificate. No probate, no court delays — it goes directly to your named beneficiary. That’s the whole point: cash in their hands fast enough to actually pay for the funeral.
What if I already have life insurance through work?
Work-based life insurance usually ends when you retire or change jobs — exactly when you need it most. Final Expense is permanent and yours forever, regardless of employment. Many clients keep both for the working years and then rely on Final Expense in retirement.
Get Covered Today
Most quotes take less than 5 minutes. Affordable rates from top-rated carriers — Mutual of Omaha, Foresters, Royal Neighbors, Transamerica, Americo.