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. And a simple application 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 costs all are expenses to consider when planning for the future. Failing to do so will likely place a financial burden on those you love after you’re gone. 

A senior life insurance policy provides guaranteed funds paid immediately to your beneficiary upon notification of death.

Your beneficiary can use the money however they need. And you can rest easy knowing the money will be there when it’s needed the most.

Are You Looking For Quotes?

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

Our independent agency helps you shop and compare your options, so you find the best policy and the lowest price. 

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


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

The Need For Final Expense Life Insurance    

Nearly 25 million Americans over age 65 live at or below the national poverty level. And millions more above this number struggle paying their monthly expenses. In other words, tens of millions of America’s seniors risk leaving a financial burden behind for their loved ones. Therefore, millions of American seniors need a final expense life insurance policy. 

Policies Provide Permanent Whole Life Coverage

Your end-of-life expenses are inevitable. Just as it costs money to bring a new baby into this world, there are also expenses when you leave. 

Final expense life insurance policies provide permanent whole life coverage that lasts as long as you live. As long as you pay your monthly premium, your coverage remains in place.  

Is Final Expense Life Insurance Affordable?

For the most part, yes. Most households can afford life insurance. However, some families may have to make adjustments in their budget. 

Life insurance is an investment, not an expense. The money that you pay through premium payments gets multiplied and returned to your beneficiary when you die. It’s helpful to think of life insurance as a forced savings plan for inevitable future expenses. Life insurance is a tool to stretch your money for financial protection. 

Premium Rates

Your premium rates will vary based on your ages, health, gender, state of residence, and policy size. Additionally, rates also vary among life insurance carriers.  

The only way to find out the cost of your policy is to request personalized quotes from the top insurance providers operating in your state. Our easy to use quoting widget allows you to quote over a dozen of the nation’s top-rated life insurance companies. 

Life insurance rates increase with as you age. And not just by the year. Most insurance carriers increase rates monthly. Therefore, the longer you wait to get your policy, the higher your rates. 

Getting The Right Amount Of Coverage  

How much life insurance do I need?  This can be a tricky question because everyone’s life insurance need is different. Generally speaking, the purpose of life insurance is to reduce or eliminate any costs that, if left unpaid, would cause a financial burden on your loved ones. 

If you are seeking a policy to help pay for funeral and burial costs, then you’ll likely need between $10,000 -$20,000 of coverage. However, if you have medical bills, personal debts, or other expenses will increase your coverage needs. 

Working with an experienced agent can go along way in making sure you get the right amount of coverage. Our agents are here to help you asses your liabilities and ensure you’re adequately protected.  

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. 

Most individuals seeking life insurance with pre-existing medical conditions can qualify.

Final expense life insurance forgo medical exams; however, they have medical underwriting in the form of a health questionnaire. Your answers to the health questionnaire determine if you qualify for a standard or a modified policy.   

Standard vs. Modified Plans

Standard plans offer standard final expense coverage amounts and rates. These policies are for individuals moderately healthy or better. 

Modified plans lower your coverage amount and increase your premium rates. These plans are for individuals with chronic health conditions that have impacted your life expectancy. 

Guaranteed Acceptance Life Insurance is a last resort coverage option for anyone who does not qualify for final expense life insurance. Guaranteed acceptance policies have not medical exams or any health questions whatsoever. As long as you’re between ages 50 and 85, your acceptance is guaranteed. 

Shopping Final Expense Life Insurance Companies

The insurance industry is fiercely competitive. Which means there are lots of carriers to shop and compare. 

Insurance companies compete with each other by catering to different subgroups of people. Therefore, there is no single best insurance company to purchase from. Instead, consumers must shop and compare life insurance companies to find their best policy. Our independent agency helps you do just that. We help you quote and compare over a dozen of the nation’s highest-rated insurance providers, all with a single quote. 

Although there is no single best company, we strongly suggest requesting quotes from the following three carriers. These three insurance companies offer the most policy value and the best premium rates in 2020.   

By filling out the quote form on your screen, you’ll instantly see personalized quotes from these three providers as well as over a dozen of their competitors. 

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 insurance providers.

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

Enroll – our streamlined application process is quick and convenient. 

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

Once enrolled, we 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 your policy risk-free. 

Our agency has helped thousands of people find better life insurance policies and lower premium rates. We’d love to help you too!   Get started today with your free quote.


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