Protect your family from funeral and end-of-life costs with $5,000–$50,000 in whole life coverage. No medical exam options, and your rate never increases. We compare 80+ top-rated carriers to find your best fit.
Free, no-obligation quotes · Talk to a licensed advisor, not a call center · Mon–Fri 8am–10pm, Sat 10am–4pm PST
Final expense (burial) insurance is a small whole life policy designed to spare your family the financial burden when you pass. The tax-free cash benefit can be used for anything they need:
Funeral or cremation services, cemetery property, markers, and memorial costs — expenses that often reach five figures.
Final medical expenses, credit card balances, taxes, and other debts, so nothing is passed on to your loved ones.
Whatever remains goes directly to your beneficiaries — a helping hand when they need it most.
A licensed advisor listens to what you need — no pressure, no obligation, no jargon.
As an independent full-service agency, we compare plans across the market to fit your health and budget — not one-size-fits-all.
Most policies can be approved in days — often with no medical exam, just a few health questions.
Final expense (burial) insurance is more affordable than most people expect. Sample monthly rates:
| Age | Coverage | Sample Monthly Rate* |
|---|---|---|
| Female, 52 | $15,000 whole life | from $34/month |
| Male, 57 | $15,000 whole life | from $52/month |
| Female, 62 | $15,000 whole life | from $61/month |
| Male, 67 | $10,000 whole life | from $63/month |
*Sample quotes for illustration only. Your rate depends on age, health, coverage amount, and carrier. Call for a personalized quote.
Every carrier prices final expense insurance a little differently, so the same person can get very different quotes. The biggest factors are:
It depends on your age, health, and the type of policy. A common reason people overpay: they buy a guaranteed-issue policy from a TV ad when they could have qualified for a less expensive level-benefit policy by answering a few health questions. Because we compare 80+ carriers, we can check a quote you already have against the market — free and with no obligation.
According to the National Funeral Directors Association, the median cost of a funeral with a viewing and burial was $8,300 in 2023 — about $9,995 with a burial vault. A funeral with a viewing and cremation had a median cost of $6,280.
Those figures don't include a cemetery plot, headstone, or flowers — or any final medical bills, credit card balances, or other debts. Final expense insurance pays a tax-free cash benefit your family can use for all of it, so they don't have to cover it out of pocket.
Your health decides which type you qualify for. We always start with the type that gives full coverage from day one.
Also called simplified issue. A few health questions, no medical exam, and the full death benefit from day one. Many people with managed conditions like diabetes or high blood pressure qualify.
For more serious or recent health issues. If death from natural causes happens in the first two years, beneficiaries typically receive a partial benefit or the premiums back plus interest. Full coverage after that.
You can't be turned down within the carrier's age limits, but there is usually a two-year waiting period and the highest cost per dollar of coverage. Learn about guaranteed issue.
Been declined before, or have a serious health condition? See our guide to high-risk life insurance — many people who think they need guaranteed issue can still qualify for a better policy.
| Final Expense | Term Life | |
|---|---|---|
| How long it lasts | Your whole life | A set term, such as 10–30 years |
| Typical coverage | $5,000–$50,000 | $100,000 and up |
| Premiums | Locked in for life | Locked for the term, then much higher to renew |
| Cash value | Builds slowly over time | None |
| Best for | Funeral costs and final bills | Replacing income and paying off a mortgage |
Many families use both: term life insurance for the bigger needs during working years, and a final expense policy that stays in force for life. Want term coverage without an exam? See no-exam term life.
Still deciding? Read what our clients say about working with us.
We work for you, not one insurance company. With 80+ carriers to choose from, the policy is built around your needs — term, whole life, or final expense.
One of the top-producing independent life insurance agencies in the U.S., helping families find the right coverage since the 1990s.
Our clients say it best: “not fast-talking sales people, but patient educators.” We explain your options in plain English and let you decide.
In most cases, yes. Final expense policies are designed for people ages 45–85, and many accept diabetes, high blood pressure, heart history, and other common conditions. Guaranteed-issue options exist even for serious health issues.
No. Final expense whole life locks your premium for life, and coverage never expires as long as premiums are paid. Many policies also build cash value over time.
Most final expense plans require no medical exam — just a few health questions. Approval can often happen within days.
Most families choose $10,000–$25,000, enough to cover a funeral (often $9,000–$12,000+ with cemetery costs), final bills, and a cushion for loved ones. A licensed advisor can help you right-size it in one short call.
Yes. Final expense insurance, burial insurance, and funeral insurance are different names for the same thing: a small whole life policy meant to cover funeral costs and final bills.
It depends mostly on your age, health, tobacco use, coverage amount, and policy type. See the sample rates above, or call (888) 819-4750 and we'll compare 80+ carriers for your exact situation.
Level-benefit policies pay the full benefit from day one. Graded and guaranteed-issue policies usually have a two-year waiting period for death from natural causes; during that time they typically return premiums plus interest or pay a partial benefit.
Most carriers accept applicants from about age 45 to 85, though the exact range varies by carrier and policy type.
Yes, as long as your parent knows about the policy and signs the application. You can be the owner, the person who pays the premiums, and the beneficiary.
Life insurance proceeds paid because of the insured person's death are generally not taxable income to the beneficiary, according to the IRS.
Yes. Use the quote tool on this page — it takes about 2 minutes and needs no medical exam — or call a licensed advisor at (888) 819-4750.
It takes one free phone call to find out exactly what coverage would cost you — with no pressure and no obligation. Ages 45–60 often qualify for the best rates, so the best time to lock yours in is now.
Compare Life Insurance · National Producer License NPN # 2764713 · Licensed in most states
Protect your family from funeral and end-of-life costs with $5,000–$50,000 in whole life coverage. No medical exam options, and your rate never increases. We compare 80+ top-rated carriers to find your best fit.
Free, no-obligation quotes · Talk to a licensed advisor, not a call center · Mon–Fri 8am–10pm, Sat 10am–4pm PST
Final expense (burial) insurance is a small whole life policy designed to spare your family the financial burden when you pass. The tax-free cash benefit can be used for anything they need:
Funeral or cremation services, cemetery property, markers, and memorial costs — expenses that often reach five figures.
Final medical expenses, credit card balances, taxes, and other debts, so nothing is passed on to your loved ones.
Whatever remains goes directly to your beneficiaries — a helping hand when they need it most.
A licensed advisor listens to what you need — no pressure, no obligation, no jargon.
As an independent full-service agency, we compare plans across the market to fit your health and budget — not one-size-fits-all.
Most policies can be approved in days — often with no medical exam, just a few health questions.
Final expense (burial) insurance is more affordable than most people expect. Sample monthly rates:
| Age | Coverage | Sample Monthly Rate* |
|---|---|---|
| Female, 52 | $15,000 whole life | from $34/month |
| Male, 57 | $15,000 whole life | from $52/month |
| Female, 62 | $15,000 whole life | from $61/month |
| Male, 67 | $10,000 whole life | from $63/month |
*Sample quotes for illustration only. Your rate depends on age, health, coverage amount, and carrier. Call for a personalized quote.
Every carrier prices final expense insurance a little differently, so the same person can get very different quotes. The biggest factors are:
It depends on your age, health, and the type of policy. A common reason people overpay: they buy a guaranteed-issue policy from a TV ad when they could have qualified for a less expensive level-benefit policy by answering a few health questions. Because we compare 80+ carriers, we can check a quote you already have against the market — free and with no obligation.
According to the National Funeral Directors Association, the median cost of a funeral with a viewing and burial was $8,300 in 2023 — about $9,995 with a burial vault. A funeral with a viewing and cremation had a median cost of $6,280.
Those figures don't include a cemetery plot, headstone, or flowers — or any final medical bills, credit card balances, or other debts. Final expense insurance pays a tax-free cash benefit your family can use for all of it, so they don't have to cover it out of pocket.
Your health decides which type you qualify for. We always start with the type that gives full coverage from day one.
Also called simplified issue. A few health questions, no medical exam, and the full death benefit from day one. Many people with managed conditions like diabetes or high blood pressure qualify.
For more serious or recent health issues. If death from natural causes happens in the first two years, beneficiaries typically receive a partial benefit or the premiums back plus interest. Full coverage after that.
You can't be turned down within the carrier's age limits, but there is usually a two-year waiting period and the highest cost per dollar of coverage. Learn about guaranteed issue.
Been declined before, or have a serious health condition? See our guide to high-risk life insurance — many people who think they need guaranteed issue can still qualify for a better policy.
| Final Expense | Term Life | |
|---|---|---|
| How long it lasts | Your whole life | A set term, such as 10–30 years |
| Typical coverage | $5,000–$50,000 | $100,000 and up |
| Premiums | Locked in for life | Locked for the term, then much higher to renew |
| Cash value | Builds slowly over time | None |
| Best for | Funeral costs and final bills | Replacing income and paying off a mortgage |
Many families use both: term life insurance for the bigger needs during working years, and a final expense policy that stays in force for life. Want term coverage without an exam? See no-exam term life.
Still deciding? Read what our clients say about working with us.
We work for you, not one insurance company. With 80+ carriers to choose from, the policy is built around your needs — term, whole life, or final expense.
One of the top-producing independent life insurance agencies in the U.S., helping families find the right coverage since the 1990s.
Our clients say it best: “not fast-talking sales people, but patient educators.” We explain your options in plain English and let you decide.
In most cases, yes. Final expense policies are designed for people ages 45–85, and many accept diabetes, high blood pressure, heart history, and other common conditions. Guaranteed-issue options exist even for serious health issues.
No. Final expense whole life locks your premium for life, and coverage never expires as long as premiums are paid. Many policies also build cash value over time.
Most final expense plans require no medical exam — just a few health questions. Approval can often happen within days.
Most families choose $10,000–$25,000, enough to cover a funeral (often $9,000–$12,000+ with cemetery costs), final bills, and a cushion for loved ones. A licensed advisor can help you right-size it in one short call.
Yes. Final expense insurance, burial insurance, and funeral insurance are different names for the same thing: a small whole life policy meant to cover funeral costs and final bills.
It depends mostly on your age, health, tobacco use, coverage amount, and policy type. See the sample rates above, or call (888) 819-4750 and we'll compare 80+ carriers for your exact situation.
Level-benefit policies pay the full benefit from day one. Graded and guaranteed-issue policies usually have a two-year waiting period for death from natural causes; during that time they typically return premiums plus interest or pay a partial benefit.
Most carriers accept applicants from about age 45 to 85, though the exact range varies by carrier and policy type.
Yes, as long as your parent knows about the policy and signs the application. You can be the owner, the person who pays the premiums, and the beneficiary.
Life insurance proceeds paid because of the insured person's death are generally not taxable income to the beneficiary, according to the IRS.
Yes. Use the quote tool on this page — it takes about 2 minutes and needs no medical exam — or call a licensed advisor at (888) 819-4750.
It takes one free phone call to find out exactly what coverage would cost you — with no pressure and no obligation. Ages 45–60 often qualify for the best rates, so the best time to lock yours in is now.
Compare Life Insurance · National Producer License NPN # 2764713 · Licensed in most states
