Affordable payments
Smaller plans mean smaller monthly payments — often a fraction of what traditional life insurance costs.
Did you know…
The Average Funeral Costs Between $5,000 To $15,000
Regardless of whether you want to do a cremation or a burial, a funeral is a big bill to leave behind your family. We help you set up a life insurance policy to prevent your loved ones from getting stuck with the bill.
- $5K–$100K Coverage amounts
- Ages 50–85 Who can apply
- No exam Just a few questions
We work with A+ rated carriers such as
What's The Difference Between Term Life Insurance And Whole Life Insurance?
Simply Put, Whole Life Insurance Makes More Sense!
The purpose of burial insurance is to make sure your family is not left paying out of pocket for funeral costs and final expenses. That's why whole life insurance makes more sense for many people. The coverage is designed to last your entire life, the monthly payment stays fixed, and the policy is built to pay out whenever that day comes. With term insurance, the coverage can eventually expire, meaning your family could receive nothing after years of paying into the policy.
See if you qualify
Whole Life Coverage
Term Life Coverage
- Best for
- Funeral & burial costs
- Temporary income protection
- Coverage duration
- Lasts your entire life
- Expires after a set number of years
- Payout certainty
- Designed to pay whenever death occurs
- May expire before coverage is needed
- Monthly payment
- Fixed — never increases
- Often increases sharply after renewal
- Cash value
- Builds cash value over time
- No cash value
- Age fit
- Designed for seniors ages 50–85
- Often harder or more expensive later in life
- Purpose
- Protects loved ones from funeral expenses and final bills
- Replaces income during working years
Why choose this coverage
Built for peace of mind, not paperwork
Four reasons families across the country choose a final expense plan over traditional life insurance.
No medical exam
You can qualify with just a few simple health questions — no doctor visit, no blood work.
Locked-in rates
Your monthly payment stays the same for life. Coverage never goes down — and can't be cancelled because of your age or health.
Protect your family
A tax-free check gives loved ones the freedom to handle costs in the moment that matters most.
What's covered
One plan. Many ways to help.
The tax-free check goes directly to the person you choose, who can use it for any of the following.
01
Funeral & burial
Casket, vault, memorial service, headstone, cemetery plot, and funeral home fees.
Typical cost: $5,000 – $15,00002
Cremation services
Direct or traditional cremation, urn, crematory fees, and memorial keepsakes.
Typical cost: $1,500 – $4,00003
Medical & debt
Outstanding hospital bills, credit card balances, and any debts left behind.
Highly variable04
Legal & estate
Probate fees, attorney costs, and estate-settlement expenses.
Typical cost: $1,500 – $5,00005
Travel for family
Flights, lodging, and transportation for loved ones to attend services.
Highly variableNeed a different number?
You can choose any coverage amount from $5,000 to $100,000.
Build your plan
Who it's for
Built for adults 50 to 85
A final expense plan is built for adults approaching retirement, anyone with limited savings set aside for end-of-life costs, and anyone who wants to make sure their family isn't stuck with the bill.
-
✓
You're between 50 and 85
Most companies will approve you in this age range without a medical exam.
-
✓
You want to protect your family's money
Make sure loved ones aren't left covering thousands in unexpected costs.
-
✓
You haven't set money aside for end-of-life costs
Coverage from $5,000 to $100,000 fills the gap most savings accounts won't.
-
✓
You're a planner
You'd rather decide the details now than leave them to grieving family later.
How it works
Three steps from question to coverage
-
1
Request a quote
Share a few basic details — age, ZIP code, and the coverage amount you're thinking about. No commitment.
-
2
Compare plans with an agent
A licensed agent walks you through your options and helps you pick the right monthly payment for your budget.
-
3
Lock in your coverage
Apply in minutes. Most plans are approved the same day, with payments that never go up.
FAQ
Common questions
Everything you might want to know before requesting a quote.
Is the money really tax-free?
Yes. Money from a life insurance plan — including final expense plans — is paid to your loved one income-tax-free under current federal tax law.
Do I need a medical exam to qualify?
No. You can qualify by answering a few simple health questions. People with more serious conditions may be offered a no-questions-asked plan with a short waiting period instead.
How much coverage do I actually need?
The average funeral in the U.S. costs between $5,000 and $15,000. Most families choose coverage between $10,000 and $25,000 to cover services plus any leftover medical bills or debts.
Will my monthly payment go up over time?
No. Final expense plans use a fixed monthly payment — the amount you lock in when you sign up stays the same for life.
Can my coverage be cancelled?
As long as you keep making your monthly payment, your plan can't be cancelled — no matter what happens to your age or health.
Who receives the money when I pass away?
Whoever you choose. The money is paid as a tax-free lump sum directly to them, and they can use it for funeral costs, debts, or anything else.
Get started
Request a free, no-obligation quote
Fill out a few details and a licensed agent will reach out with plan options for you. No pressure, no spam.
- Quotes from top-rated companies
- No medical exam needed
- Same-day approvals available