A small, simplified life insurance policy designed to cover funeral, burial, and final medical costs — so your loved ones aren't left figuring out how to pay for it.
Final expense policies are smaller by design — typically $5,000 to $25,000 in coverage — and underwriting is simplified, often with no medical exam required. Approval can happen in days, not weeks.
The average funeral now costs well over $8,000 once you include burial or cremation, a service, and related costs. Final expense coverage exists specifically to make sure that bill doesn't fall on your family during an already difficult time.
A short conversation to find a coverage amount and premium that fits, without medical exam hassle.
We estimate funeral, burial, and any outstanding final expenses so the coverage amount actually matches the need.
Most final expense policies use simplified or guaranteed issue underwriting — a few health questions, not a medical exam.
Premiums are typically level for life, so what you're approved for today is what you'll pay going forward.
“Took the guesswork out of what my family would actually need to cover funeral costs.”
“Fast, simple, no medical exam. Exactly what I needed at my age.”
“I didn't want to leave my kids with a bill. This handled it.”
No — most final expense policies use simplified or guaranteed issue underwriting, typically just a short list of health questions.
Most people land between $8,000 and $15,000 to cover funeral, burial, and related final costs — we'll help you land on the right number for your situation.
Simplified issue policies are often approved within days, sometimes as fast as 24–48 hours.
Some guaranteed issue policies include a 2–3 year graded benefit period; we'll walk through exactly what applies to the policy you're quoted.
We'll text and email you shortly after to confirm your time. Sessions run about 15 minutes.