Simplified application — often no medical exam required.
Final Expense
What is Final Expense Insurance?
Final Expense Insurance — sometimes called burial insurance — is a specialized whole life policy designed to help cover funeral, cremation, and end-of-life expenses. These policies typically use simplified underwriting: often just health questions, with no medical exam required.
Final Expense is designed to stay in force for your lifetime with fixed premiums and a death benefit that pays out as long as premiums are kept current. Many carriers offer Final Expense plans starting at age 50.
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Permanent coverage with fixed premiums, designed to lift funeral costs off your family.
Why consider Final Expense?
Final Expense may be a fit for clients age 50+ who want to ensure their family isn't left with the bill for funeral, cremation, and immediate end-of-life expenses.
Designed for accessibility
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Simplified underwriting: no medical exam, just health questions.
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Many policies are available even with existing health conditions, subject to carrier guidelines.
Built for peace of mind
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Designed to pay quickly to beneficiaries to help cover immediate end-of-life costs.
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Premiums are typically locked at the time of issue and not subject to age-based increases.
Designed to lift the burden
Final Expense is built to provide your family with the funds needed to honor your wishes — without the stress of unexpected costs at an already-difficult time.
Fixed Premiums
Permanent Protection
Quick Payout
FINAL EXPENSE
Designed to lift the burden
Final Expense is built to provide your family with the funds needed to honor your wishes — without the stress of unexpected costs at an already-difficult time.
Fixed Premiums
Monthly rate is locked at the time of purchase and remains consistent for the life of the policy.
Permanent Protection
As a form of whole life, the policy is designed to remain in force for your lifetime as long as premiums are paid.
Quick Payout
Designed to pay out quickly to beneficiaries to help cover funeral, cremation, and immediate medical bills.
FINAL EXPENSE
Built for clients 50 and older
Final Expense policies are typically designed for clients age 50+ who want a manageable monthly premium and straightforward application process.
Simplified Application
No medical exams or blood tests required — coverage is based on simple health questions.
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Application typically takes 15–20 minutes.
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Decisions are often available the same day.
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Available with pre-existing conditions, subject to carrier guidelines.
Designed for Immediate Costs
Coverage amounts are typically sized to align with funeral, cremation, and end-of-life expense ranges.
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Coverage amounts commonly range from $5,000 to $40,000.
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Benefit pays directly to your beneficiary.
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Funds may be used for funeral, cremation, medical bills, or any other purpose.
FINAL EXPENSE
Is Final Expense right for you?
Final Expense may be a fit if you're age 50+ and want a straightforward, permanent policy designed specifically to lift end-of-life costs off your family.
Designed for accessibility
Final Expense uses simplified underwriting — most clients can qualify, including many with pre-existing health conditions. Carrier guidelines vary.
Predictable, lifelong coverage
Premiums are typically locked at issue, and coverage is designed to remain in place for your lifetime as long as premiums are paid.
Right-sized to your needs
Coverage amounts are typically sized for funeral and end-of-life expenses — not large enough to replace income, but enough to lift the immediate burden off your family.
TALK TO BRYAN
Let's talk about Final Expense options
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FINAL EXPENSE FAQS
Frequently asked questions
Do I need a medical exam to qualify?
No — Final Expense policies use simplified underwriting based on health questions only. There are no medical exams, blood draws, or paramedical visits required.
Can I qualify with pre-existing health conditions?
Yes, in most cases. Many Final Expense carriers offer coverage even with conditions like diabetes, heart issues, or COPD. Some policies may have a graded benefit during the first 2 years; we'll match you to the right carrier.
How much coverage do I need?
Coverage typically ranges from $5,000 to $40,000, sized to align with funeral and end-of-life costs. We'll help you pick an amount that fits your situation and budget.
Will my premiums ever increase?
With most Final Expense policies, premiums are locked at the time of issue and are not subject to age-based increases. Specific terms vary by carrier.
How quickly does the policy pay out?
Final Expense policies are designed to pay out quickly — often within days of a claim, subject to carrier processes and policy terms.
Can I change my coverage later if my life changes?
Yes. We can review your coverage and adjust as needed, whether that means increasing the benefit or adjusting the structure.
