Final expense insurance
Funeral costs are due before the service, not after. Final expense coverage puts that money in your family's hands quickly, so they can grieve instead of scrambling.
The Social Security lump-sum death payment was set at $255 in 1954 and has not changed since. Funeral cost range reflects national averages and varies by location and service.
Benefits are typically paid to your beneficiary within days of a claim, which matters when a funeral home needs payment up front.
Your beneficiary decides. Funeral and burial, medical bills, outstanding debts, or whatever the family needs most.
As long as premiums are paid, the coverage doesn't expire and the price doesn't go up as you get older.
Four steps, start to finish.
Most families choose between $5,000 and $25,000 based on what a service in their area costs.
No medical exam and no bloodwork. Just a short set of yes or no questions.
Many applications receive a decision within a day or two, depending on the carrier.
Once the policy is issued, the premium is fixed. It does not increase as you age.
Free & no obligation
Answer a few quick questions and a licensed agent will call you with real quotes for your age and coverage amount. No medical exam, no obligation.
No. Final expense policies use a short list of health questions instead of an exam or bloodwork.
No. Once the policy is issued, the premium is fixed for the life of the policy as long as you keep paying it.
Many carriers offer options for people who have been turned down elsewhere, including plans with a graded benefit period. A licensed agent can tell you what you'd likely qualify for.
Most choose between $5,000 and $25,000. The right number depends on funeral costs where you live and any bills you want covered.
Coverage, rates, availability and underwriting requirements vary by carrier, age, health status and state regulations, and all coverage is subject to underwriting approval. Some policies include a graded benefit or waiting period. This page is for general information and is not an offer of coverage or financial advice. This agency is not affiliated with or endorsed by any government agency.