Don't leave the bill to your family.
A small whole life policy covers funeral, burial, and final medical costs — so your loved ones can grieve, not scramble.
What it covers
The average funeral in the U.S. now costs over $9,000. A final expense policy is whole life insurance designed to cover those costs and more — paid to your beneficiary, typically within days of claim approval.
- Funeral, burial, or cremation services
- Outstanding medical bills and credit card balances
- Legal and probate fees
- A financial cushion for your spouse or children
No medical exam required
Approval is based on a few simple health questions — most applicants get a decision the same day.
Premiums that never increase
Lock in your rate today. The price you pay at 60 is the same at 80.
Built for ages 50–85
Coverage from $5,000 up to $50,000 — sized to fit your family's needs and your budget.
How final expense works
A short, animated walkthrough — why families are left with the bill, what a final expense policy pays for, and how easy it is to qualify.
Policy benefits and issuance depend on carrier underwriting. Rates are based on age and health at application.
Typical monthly rates
| Applicant | $10,000 coverage | $25,000 coverage |
|---|---|---|
| Age 55 | $22 – $32/mo | $50 – $72/mo |
| Age 65 | $36 – $52/mo | $82 – $118/mo |
| Age 75 | $68 – $96/mo | $160 – $220/mo |
Estimates for non-tobacco applicants in good health. Actual rate depends on age, gender, health, and coverage amount.
From Florida families
Trusted at the kitchen table.
"I'd been putting this off for years. Took five minutes and now I know my kids won't have to scramble for funeral costs."
"We just bought our first house. Knowing the mortgage is covered if anything happens to me lets me sleep at night."
"No pressure, no sales pitch. They actually compared carriers in front of me and found one $40/month cheaper."
Ready to lock in your rate?
Speak with a licensed agent and compare quotes from A+ rated carriers — free, no obligation.