
Free guide · for ages 50–85
Learn how to cover funeral costs and final bills without burdening your family, in plain English. Answer 5 quick questions and we'll send your free guide right away.
Inside the free guide
How to Cover Final Costs Without Burdening Your Family, explained in plain English in about 10 pages.
A small, simple whole life policy built for one job: covering end-of-life costs.
Funeral, burial or cremation and the bills families face in the first weeks.
A simple way to pick an amount that fits what you want handled.
What insurers ask, and why most plans need no medical exam.
The two main policy types and who each one is for.
Plus the common mistakes to avoid and a one-page checklist.
How it works
The average funeral today can cost $8,000 to $12,000 or more. Final expense insurance is a small whole life policy, usually $5,000 to $35,000, made to cover those costs so your family isn't left with the bill.
Plans are built for people 50 to 85. Most have no medical exam, the price is locked in for life, and the policy can't be canceled because of age or health as long as premiums are paid. A licensed agent compares several A-rated companies to find you the best price.
Questions
It's a small whole life insurance policy, usually $5,000 to $35,000, meant to pay for funeral costs, medical bills and other final expenses.
Most final expense plans have no medical exam. You answer a few health questions, and some plans accept almost everyone.
No. With a whole life final expense plan your premium is locked in and your coverage stays the same for life.
Claims are often paid within days to a couple of weeks after the insurer receives the paperwork.
There are plans for many health histories, including guaranteed acceptance plans. A licensed agent will match you with the right one.
Your next step
Read it in 10 minutes, then book a free 15-minute call if you'd like help with your own numbers.