For seniors and their families
Plan ahead, so the cost doesn't land on them.
Request a burial and funeral coverage quote in about two minutes. You will be connected with independent licensed insurance agents, agencies and insurance carriers who may reach out with options.
What to know before you choose
You may not need an exam
Plenty of policies swap the physical for a short set of health questions. Each company sets its own requirements.
A steady monthly payment
Many whole life final expense plans use a level premium, so the payment typically stays the same. Ask the company to explain how your plan works.
Read the details first
Coverage amounts, waiting periods and premiums differ from one policy to the next. It helps to look at all three before you decide.
Some plans build cash value
Certain whole life policies build cash value over the years. Not every final expense policy does, so it is worth asking.
Choose an amount that fits
Coverage often falls between about $10,000 and $40,000 or more. What is offered depends on the policy and the company.
Options for many ages
People of many ages can apply. Whether you are eligible depends on the company and the answers you give.
A short application
Some policies have brief applications and quicker underwriting than traditional life insurance. How long it takes varies by company.
Check for a waiting period
Some policies cover natural causes from the first day. Others have a waiting period, so look for it in the policy.
If health is a concern
Guaranteed issue is a type of plan that typically skips health questions. It usually has a waiting period before the full benefit is paid, so check the terms.
Where to start
Starting from wherever you are
People come to final expense insurance for different reasons. Here are a few common starting points.
I am new to this
Start with our plain-language guides. They explain how final expense insurance works, with no pressure to decide anything today.
I already have a policy
An independent licensed agent can look at it next to what other carriers offer. Pricing and eligibility vary by company.
My coverage may not be enough
If your current policy leaves a gap, you can request a quote for more coverage and talk it over with an independent licensed agent.
I would like to leave something extra
Some people want a cushion beyond funeral costs, for medical bills or a gift to family. An independent licensed agent can help you think through how much coverage suits you.
Wherever you are, you can ask for a quote at no cost.
The basics
A small policy with one job: help cover final bills.
Helps with costs Medicare and savings may not cover
A funeral, burial and headstone can add up to well over ten thousand dollars. The policy pays a cash benefit to the person you name, so your family has money to work with.
Often a simple application
Many policies are called simplified issue. You answer a few health questions instead of having an exam or bloodwork, and how long a decision takes depends on the company.
Many have a level premium
Final expense policies are usually whole life coverage, and many keep the same premium and benefit. Check the policy to see what applies to yours.
Who we are
About FinalExpense.care
FinalExpense.care is a free information service for seniors and families who want to understand final expense insurance and plan for funeral costs. When you send a request, we connect you with independent licensed insurance agents, agencies and insurance carriers who may contact you.
We are not an insurer or an insurance agent, and we do not underwrite or sell policies. Any quote, eligibility decision or price comes from the agent, agency or insurance carrier you are connected with, and asking for a quote costs you nothing.
FinalExpense.Care2810 N Church St, Wilmington, DE 19902
Email: info@finalexpense.care
Phone: (209) 309-8959Learn how final expense insurance works →
Browse by condition
Have a health condition? See how it's typically treated.
A diagnosis rarely rules you out entirely. Tap any condition below for the typical outcome, or read the full guide to how simplified-issue underwriting works.
Heart & Circulatory
Diabetes & Metabolic
Cancer
Neurological
Mental & Behavioral Health
Kidney, Organs & Immune
Autoimmune & Joint
Coverage varies by location
Find coverage in your state
Carrier availability, pricing, and policy features can differ depending on where you live. We've built a dedicated guide for every state so you can see your local options before you talk to anyone.
How it works
Three simple steps.
- 1
Tell us a little
Share your age, your general health and the amount of coverage you have in mind. It takes about two minutes on a phone or computer.
- 2
An agent may reach out
Using your answers, an independent licensed insurance agent, agency or insurance carrier may contact you to explain the options you may be eligible for. The company decides eligibility and price.
- 3
Take your time deciding
If an option feels right, you can move ahead with that agent, agency or insurance carrier. Nothing requires you to buy, and asking for a quote is free.
How it compares
Final expense and term life, in plain terms.
Both are life insurance, but they do different jobs. This quick table shows the main differences.
| Feature | Final expense | Term life |
|---|---|---|
| How long it lasts | For life, as long as premiums are paid. | A set number of years, such as 10, 20 or 30. Then it ends. |
| Monthly cost | Smaller benefits usually mean smaller premiums, and many policies keep the premium level. | Often costs less per dollar of coverage, but the premium can rise sharply when the term renews. |
| Medical exam | Usually none, just a few health questions. | Often required, and the results affect the price. |
| Cash value | Some build a little over time, because it is whole life. | None, since it only covers a set period. |
| Best suited to | Paying for a funeral, burial and other end-of-life costs. | Covering a mortgage or lost income while people rely on you. |
What you can expect
A simple, low-pressure place to begin
Looking at insurance can feel like a lot. We keep things plain and low-pressure, so you can take it one step at a time.
You are not committing to anything
Asking for a quote does not obligate you to buy. Whether to go ahead is entirely up to you.
Independent agents handle the details
Your request goes to independent licensed insurance agents, agencies and insurance carriers. They provide the quotes and policy details, not us.
Think about the monthly amount first
Before comparing, decide what you could pay comfortably each month. Prices vary with age, the company and the coverage amount.
A guide for every state
We have guides for all 50 states and DC, because rules and options change depending on where you live.
Free to ask
Requesting a quote and talking with an agent cost nothing, and you are never required to enroll.
Your age matters when you apply.
Prices for final expense coverage usually reflect your age and health at the time you apply, and they differ from one company to another. Asking for a quote costs nothing, and you are under no obligation.
Common questions
Plain answers to common questions.
What does final expense insurance pay for?
Think of it as cash for the person you name to receive. Many people use it for funeral and burial costs, a leftover medical bill, or other everyday expenses. The money can be spent however your beneficiary chooses.
Will I need a medical exam?
Often not. With most simplified-issue policies you answer a few yes-or-no health questions instead of having an exam or giving blood. Guaranteed issue policies skip health questions, but they typically cost more for the same benefit and usually have a waiting period.
Can I still apply if I have a health condition?
Possibly, depending on the condition and the company. An independent licensed agent can explain what may be available, and asking costs nothing and commits you to nothing.
How much coverage should I look at?
Many people choose enough for a funeral and burial or cremation, which often runs about $8,000 to $15,000, plus a little extra for bills. An independent licensed agent can help you pick an amount that suits your situation.
Is this the same as regular life insurance?
Not quite. Final expense policies are smaller whole life policies made to cover end-of-life costs. They are usually simpler to apply for than a large policy meant to replace income for many years.
If I ask for a quote, am I committed?
No. Asking for a quote and speaking with an agent costs nothing and does not sign you up for anything. Coverage begins only when you accept an offer and the insurance company issues the policy.
What if I miss a payment?
Policies usually include a grace period before coverage ends, and insurers often contact you first. If a payment will be late, call your agent or the company right away; ways to keep the policy in force are often available.
Can more than one person be my beneficiary?
Yes, you can usually name several people and decide what share each one receives. You can update the list later if your family changes.
What decides the price?
Mostly your age and the amount of coverage you choose, plus your answers to the health questions on a simplified-issue policy. Because these policies are smaller, the premium is generally lower than for a large policy, and many final expense policies have a level premium.
Can I change my coverage later?
Often, yes. You can usually ask to raise your coverage, though that may mean new underwriting, and you can change your beneficiaries at any time. Your agent can explain what your company allows.
Take two minutes to ask about your options.
Many final expense policies do not need a medical exam, and requesting a quote takes about two minutes.
Free to request, no obligation
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