Affordable whole life coverage designed to protect your loved ones from funeral costs, medical bills, and other end-of-life expenses — so they can focus on grieving, not financial stress.
Final Expense Insurance (also called burial insurance or funeral insurance) is a type of whole life insurance designed to cover the costs associated with end-of-life. Unlike traditional life insurance, it features smaller face amounts — typically $5,000 to $35,000 — making premiums affordable even on a fixed income.
The death benefit is paid directly to your beneficiary, who can use it for any purpose: funeral expenses, outstanding medical bills, credit card debt, or simply to ease the financial burden during a difficult time.
Did you know? The average funeral in the U.S. costs $8,000–$12,000. Without coverage, this burden often falls directly on surviving family members.
Most policies are issued with just a few health questions — or with guaranteed acceptance regardless of health.
As a whole life policy, it stays in force for your entire life as long as premiums are paid — no renewal needed.
Your premium is locked in at the rate you qualify for when you enroll. It will never go up.
Many policies are approved same-day or within 24–48 hours, with coverage starting immediately.
Every situation is different. I'll help you find the plan type that fits your health history and budget.
Full death benefit from day one. Available to applicants in good health. Lowest premiums for the coverage amount — the best value if you qualify.
Ideal for: Generally healthy individuals ages 50–85.
If you have certain health conditions, a graded plan may still qualify you — with a 2–3 year waiting period before the full benefit is payable. Accident coverage is often immediate.
Ideal for: Those with moderate health conditions who don't qualify for level benefit.
No health questions asked — everyone qualifies. A 2-year waiting period applies, but you're covered for accidental death from day one. Premiums are higher but guaranteed.
Ideal for: Those with serious health conditions who have been declined elsewhere.
Final Expense Insurance is designed for this age group. Premiums are still affordable, and most applicants are approved — even with some health conditions.
Plans typically start at $30–$70/month. Because premiums never increase, it's easy to budget for and plan around Social Security or pension income.
If you don't have life insurance — or if your employer-provided coverage will end at retirement — Final Expense Insurance fills that gap affordably.
Not sure if you qualify? Call or text me and I'll give you an honest answer in minutes. There's no obligation and no pressure — just straightforward information about your options.
Talk to Gustavo →As an independent broker, I'm appointed with multiple carriers so I can compare rates and find the best fit for you — not just whoever pays the highest commission.
Premiums vary based on your age, gender, health, and the coverage amount you choose. As a general guide, a healthy 65-year-old woman might pay $40–$60/month for $10,000 of coverage. A man of the same age and health might pay $55–$80/month. I'll run specific quotes for your exact situation at no charge.
With simplified issue (level and graded) plans, some health conditions can lead to a denial. However, Guaranteed Acceptance plans have no health questions — anyone ages 50–85 qualifies. I'll help you find the best plan for your situation so you don't waste time applying for coverage you won't get.
Level benefit plans typically have no waiting period — the full death benefit is paid from day one. Graded and Guaranteed Acceptance plans usually have a 2-year waiting period for natural causes of death, though accidental death is often covered immediately. I'll clearly explain any waiting period before you apply.
The death benefit is paid as a lump sum, tax-free, directly to your named beneficiary. They can use it for any purpose — funeral expenses, outstanding debts, living expenses, or anything else. Claims are typically paid within 7–30 days after submission of required documentation.
No. Final Expense Insurance is a whole life policy, which means your premium is locked in for life at the rate you qualify for when you enroll. It will never increase — even as you age or if your health changes.
No medical exam is required for any Final Expense plan. Simplified issue plans ask a few yes/no health questions; Guaranteed Acceptance plans ask none at all. You won't need a doctor's visit, blood draw, or physical examination.