Affordable Final Expense Insurance
Affordable coverage designed to protect your family from funeral and creamtion expenses — with guaranteed premiums for life.
What Is Final Expense Insurance?
Final Expense Insurance is a small whole life insurance policy designed to cover end-of-life costs — including funeral expenses, medical bills, and other outstanding debts. It’s affordable, easy to qualify for, and provides lifetime protection with rates that never increase.
Lifetime Coverage
Your policy lasts your entire life — it never expires, and your premiums stay the same.
Affordable Plans
Choose coverage amounts typically ranging from $5,000 to $50,000, with low monthly payments.
Easy to Qualify
Most applicants can qualify with simple health questions — no medical exam required.
Why Final Expense Insurance Matters
Final Expense Insurance is about more than paying for a funeral. It’s about protecting the people you love from sudden bills and financial stress during an already difficult time.
Protect Your Loved Ones From Unexpected Bills
Final Expense Insurance helps your family cover funeral costs, medical bills, and other end-of-life expenses so they don’t have to use savings or take on debt.
Predictable, Affordable Monthly Payments
You lock in your rate at your current age. Your premiums stay the same for life, and your coverage never expires as long as payments are made.
Peace of Mind and Control Over Your Legacy
You decide how much coverage to leave behind and who receives it. Your loved ones get a tax-free benefit they can use where it’s needed most.
How It Works
Getting Final Expense Insurance is quick, simple, and designed to give you peace of mind. Here’s how it works from start to finish.
Compare Instant Quotes
Get real prices from multiple top rated companies — no contact information required. Just enter your age, gender, and basic details.
Choose Your Coverage
Select the coverage amount that fits your needs and budget. Premiums can be as low as $1/day
Apply Online or Get Help From an Agent
You can apply online in minutes or talk to a licensed agent for personalized assistance — in English or Spanish.
Sample Monthly Rates – Age 50
These are example monthly premiums for a 50-year-old, based on different coverage amounts. Actual rates will vary by age, health and tobacco use
| Age 50 | $10,000 | $15,000 | $20,000 | $25,000 | $30,000 |
|---|---|---|---|---|---|
| Male (Non-Smoker) | $30.68 | $44.42 | $58.15 | $71.89 | $85.63 |
| Female (Non-Smoker) | $24.31 | $34.86 | $45.41 | $55.96 | $66.51 |
These are sample estimates only and not an offer of coverage. Your actual rate will depend on your age, health, tobacco use, and the company you choose.
Considering Final Expense Insurance?
Start a true free quote below, no phone or email required, applying is optional
Trusted Carriers We Work With
Carrier availability varies by state and underwriting guidelines. Bonanza Insurance Services is an independent agency. We are not employed by any one insurance company.
Frequently Asked Questions
No. Your monthly premium is locked in at the age you apply and will never change. As long as you make payments, your coverage remains active for life.
Your beneficiaries can use the tax-free benefit for funeral costs, cremation, medical bills, personal debts, or any other expenses they choose.
Most people qualify. Many plans use simple health questions, and some offer guaranteed acceptance with no medical exam for ages 50–85.
Immediate coverage is available for many applicants. However, certain health conditions may require a two-year graded benefit period. We’ll help you find the best option.
Most applications take less than 10 minutes and can be completed online or with a licensed agent — in English or Spanish.
Yes. You can choose your beneficiaries, you need at least one, recommended two, — a spouse, child, relative