Affordable Final Expense Insurance
Affordable coverage designed to protect your family from funeral and medical bills — 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.
Ready to see how a Final Expense policy could fit your budget?
Cremation vs. Traditional Funeral Costs
End-of-life expenses can vary widely depending on the type of service you choose. Understanding the average costs helps you plan ahead and protect your loved ones from financial stress.
Cremation Costs
Typical cremation-related costs include:
- Direct Cremation: $1,200 - $3,000
- Cremation with Memorial Service: $2,500–$6,000
- Traditional Cremation (with viewing): $4,000–$8,000
- Cremation Permit, Death Certificates, Urn: $150–$600
Cremation is generally more affordable, but costs can add up quickly when services and ceremony options are added.
Traditional Funeral Costs
Costs typically include:
- Funeral Home Services: $2,000–$4,000
- Casket: $2,000–$5,000+
- Viewing & Ceremony: $1,200–$3,000
- Cemetery Plot - Varies by location $15,000 or more
- Grave Opening/Closing: Varies by location $2,000 -$3,000
- Headstone/Marker: $1,500–$3,000
Traditional funerals often range from $7,000 to $15,000+ depending on the service and cemetery costs.
Knowing the costs helps you choose the right amount of coverage to protect your family.
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.
Ready to see your exact rate?
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 30+ 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. You can start with as little as $10,000 in protection.
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.
Protect Your Family With Affordable Final Expense Coverage
Start Your Free Quote Below
Trusted Carriers We Work With
We compare multiple carriers to find the best plan for your needs and budget.
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
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