How fast does coverage start?

Many approvals happen the same day. Graded plans pay a limited benefit for accidental death during the waiting period.

Can my family use the money for anything?

Yes. The benefit is paid to your beneficiary in cash and is not restricted to funeral costs.

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Final Expense

Simple, small permanent coverage so your family isn't paying for your funeral out of pocket.

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Who it fits

Ages 50 to 85
Covering funeral and burial costs
Health conditions that limit other options

How it works

1Coverage amounts are typically $5,000 to $50,000.
2Underwriting is simplified — usually health questions, no medical exam.
3Premiums are level and the coverage is permanent as long as premiums are paid.
4Some applicants qualify only for graded or guaranteed-issue plans with a waiting period.

Trade-offs to know

Cost per dollar of coverage is high compared to term.
Graded and guaranteed-issue plans limit benefits during the first two to three years.
Not designed for income replacement.

Configure your request

Choose what fits. Your selections travel with your booking so the call starts with real numbers.

Coverage amount

Health situation

All coverage is subject to carrier underwriting approval. Rates, availability, and policy features vary by state, age, health, and carrier. Nothing on this site is an offer of insurance or a guarantee of coverage or price.

Common questions

Simplified-issue plans have health questions and can decline. Guaranteed-issue plans accept nearly everyone but carry a waiting period before the full benefit is payable.