Final Expense Life Insurance

Get up to $40,000 cash for your family with a Final Expense Life Insurance Policy.

No medical exams.  Multiple carriers to shop and compare.  Simplified applications and enrollment process. 

If you’re between ages 50 – 85 you cannot be turned down due to your health. 

Life insurance helps ease the cost of your final expenses

Not being prepared for end-of-life costs can leave loved ones in a difficult financial situation.  Personal debts, medical bills, and eventually, funeral cost all are expenses that need consideration when planning for the future.  Failing to do so will likely place a financial burden on those you love. 

Life insurance provides guaranteed funds paid to your beneficiary immediately upon notification of death.  Your beneficiary can use the money however they need. Rest easy knowing the money will be there when needed the most.

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Fill out the form on your screen to instantly see rates from top rated providers.  

Our independent agency helps you shop and compare your options so you find the best policy at the lower rate.

Save time and money on your final expense life insurance policy. Get started today.  

Final expense life insurance for seniors

Final Expense Life Insurance Overview

  • Ages 50 – 85
  • Up to $40,000
  • No medical exams
  • Guaranteed acceptance options for those in poor health
  • Simplified applications completed over the phone
  • Coverage can begin the very next day
  • Several favorable companies to shop
final expense life insurance quotes

Are Final Expense Policies Different Than Other Forms of Life Insurance?

The coverage is the same as other forms of life insurance, however, Final Expense policies have their own unique design and purpose.

What purpose do Final expense policies server? 

As mentioned above, final expense policies, also referred to as Senior Life Insurance policies, are designed to provide funds for end-of-life expenses.  

Nearly 25 million Americans seniors are living at or below the national poverty level.  And millions more above this number struggle paying their monthly expenses.  Which means there are tens of millions of baby boomers that have little to no savings at the end of life.  As a result they often leave behind expenses that will ultimately need to be paid by surviving loved ones. 

Policies Provide Permanent Whole Life Coverage

Your end-of-life expenses are inevitable.  Just as it cost money to bring a new baby into this world, there are expenses when you leave as well.  Besides funeral cost, most of us will require increased medical care the closer we get to death. And it’s not uncommon to accumulate large medical bills near the end of life. Because these end-of-life cost are inevitable permanent life insurance coverage is needed. 

Final expense life insurance policies are permanent whole life coverage.  Coverage that stays in force as long as you live.  As long as you pay your monthly premium your coverage can never be canceled.      

Policies are designed to be easy to qualify for.  Simple to understand. And provide the necessary funds to makes sure your loved ones don’t suffer a financial burden after you’re gone. 

Is Final Expense Life Insurance Affordable?

Yes and no.  All cost are relative.  However, life insurance is an investment, not an expense.  The funds that you pay into your policy are returned to your beneficiary when you die.  Most of the time a much larger amount than what you paid into your policy.  Your monthly premium is not really an expense but rather a type of guaranteed savings plan for your family.  You are setting aside a set amount of money each month to pay for inevitable expense that loom in the future. 

Your premium rates will vary based on your age, health, gender, state of residence, and desired coverage amount. Your monthly premium is personalized based on your coverage needs and your overall mortality risk. 

How to Reduce the Cost of Your Policy

There are several ways in which your can ensure you don’t pay more than you have to for your policy.  

Firstly, it’s important to get the right amount of coverage. If the goal is to only cover your burial cost then you’ll likely only need a policy between $10,000 – $15,000.  If you have credit card debt or will likely acquire medical debt due to poor health you may need a larger policy.  The important thing is to honestly asses your needs and seek the appropriate amount of coverage.  

How much life insurance do I need? If you don’t know how much life insurance you need our knowledgable agents can help you with this assessment.  We can even provide advice on ways reduce burial cost and avoid accumulating debts near the end of life. 

Secondly, it’s important to shop rates from all the top carriers before you make a policy purchase.  Rates can vary greatly between carriers and unless you properly shop your options it’s likely that you end up paying more than your have to for your policy.   Our independent agency helps you do this better than any other company.   We specialize in senior life insurance policies. We represent all the top carriers and can help you quote and compare life insurance companies nationwide to find your best policy.   

What if I have a pre-existing condition?

You can still qualify for a final expense life insurance plan even if you have less than perfect health. 

Many individuals seeking life insurance with pre-existing medical conditions can still qualify for final expense life insurance.  Our agency specializes in helping people find the carrier who is most favorable for their specific health condition.  

Final expense life insurance policies are very liberal with their health qualifying criteria. And many common health conditions can still qualify for standard coverage and standard rates.  However, some health conditions such as diabetes or suffering a recent heart attack will result in modification to your policy.   Modified plans provide the same quality coverage, however, the benefits a graded during the first year or two of the policy.  

What Are Graded Benefits?

A modified plan with Graded benefits has a probationary period in which your death benefit is limited.  Most carriers enforce a two year graded period on modified plans, however  Which means if your die from health reasons within the first two years of owning your policy the death benefit will not be paid in full. Rather the death benefit will be graded based on the terms set in your policy contract.  If you die in a accident or a non-health related cause during these first two years your policy will still pay the death benefit at 100%.  

If you have a pre-existing health condition that only qualifies for a modified plan its important that you seek the help of a independent agency.  For the graded period is not the same amongst all carriers.  Some carriers enforce a 2 years probationary period, while others it’s 3 years.   

If your health is particularly poor and you do not qualify for a standard final expense life insurance policy or a policy with graded benefits, guaranteed acceptance plans are still available.  Guaranteed Acceptance life insurance is a last resort option for individuals who do not qualify for others types of life insurance.  These policies also enforce a two year graded period and have lower policy limits.

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final expense companies

Shopping Final Expense Life Insurance Companies

There is no single best life insurance carrier to purchase from.  Insurance providers compete with each other by catering to various sub group of people.  One carrier might be the best option for someone with diabetes and that same carrier might be a poor option for someone who just suffered a heart attack.  In order to find the best company for you, your’e going to have to do some shopping. 

Our agency helps you shop and compare carriers and policies side by side so you can make the best decision for your family and your finances.   

Although there is no single best final expense life insurance company there are several carriers that stand out above the rest.  The carriers listed below consistently offer the best policy value and the most competitive rates.  We highly suggest you quote these companies before making a policy purchase. 

How to Enroll

Enrolling for Final Expense Life Insurance is easier than you might think.  

Quote – fill out the form on your screen to instantly see quotes from top providers.

Compare – one of our independent agents will help you compare you options side by side so you can find your best option.

Enroll – our streamlined application process provides a convenient and hassle-free way to enroll in your perfect policy.  

Quote, compare, and enroll in a matter of minutes.  

Once enrolled we will ship your policy directly to you for review.  Most states allow up to 30 days for a ‘Free Look’ period in which you can go through you policy to make sure it’s exactly what you need.  If for some reason the policy isn’t the right fit simply send it back at no cost to you. 

Our agency has helped thousands of people find better policies at a lower cost.  We’d love to help you too! Get started today with you free final expense life insurance quote. 


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