Final Expense · Compare quotes
Final Expense Insurance
Affordable coverage for funeral and end-of-life costs.
Final expense (burial) insurance is a small whole life policy — typically $5,000 to $50,000 — designed to cover funeral costs, medical bills and small debts so your family isn't burdened. Approval is simple: no medical exam, just a few health questions.
Ages
50–85
Coverage
$5K–$50K
Medical exam
None
Best for
- Ages 50–85
- Covering funeral & burial costs
- People with health conditions
- Leaving a small gift to loved ones
What's the main reason you want coverage?
This helps us match you with the right policy type.
Secure & private. We never sell your information.
How it works
How final expense coverage works
01
Answer a few questions
No needles or exams. Approval is often decided in minutes based on simple health questions.
02
Lock in a rate for life
Premiums never go up, and coverage never decreases or expires.
03
Fast payout
Benefits are usually paid within days so your family can cover costs right away.
Pros & cons
- No medical exam
- Guaranteed issue options available
- Premiums never increase
- Benefits paid quickly
- Lower coverage amounts
- Guaranteed issue plans have a 2–3 year waiting period
- Higher cost per dollar of coverage
Sample monthly rates
| Profile | Coverage | Est. monthly |
|---|---|---|
| 60-yr-old, non-smoker | $15K | $45–$65 |
| 70-yr-old, non-smoker | $15K | $75–$105 |
| 75-yr-old, non-smoker | $10K | $80–$115 |
Illustrative ranges for healthy applicants. Your actual rate depends on underwriting.
Final Expense questions, answered
Compare other coverage types