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Frequently Asked Questions
Common Questions Answered for your convenience.
What is final expense life insurance?
Also known as burial or funeral life insurance coverage, this is a type of final expense whole life insurance designed to cover the costs associated with a person's death, such as funeral expenses, medical bills, and outstanding debts. It's a smaller, more affordable policy than traditional life insurance and is often used to relieve the financial burden on loved ones during a difficult time.
Who It’s For:
Seniors (typically 50–85 years old)
People who may not qualify for traditional life insurance due to health issues.
Those who want to spare loved ones from funeral and final expenses.
Advantages:
Easy to qualify for
Quick approval
Lifetime coverage
Peace of mind for your family
Get a life insurance quote today
Can I Get Final Expense Insurance for Free?
Despite some confusing commercials or ads you may have seen, there is no free insurance available. With final expense whole life insurance...
You pay premiums: Like any other life insurance coverage, you must pay monthly or annual premiums. These premiums are usually fixed but depend on your age, health, and coverage amount.
Smaller coverage: Final expense policies typically range from $2,000 to $40,000 in coverage—much less than standard life insurance. Life insurance quotes cost nothing. You only pay for your policy.
No medical exam (in many cases): Many policies are “guaranteed issue” or “simplified issue,” meaning they don’t require a medical exam but may cost more as a result.
How much does it cost?
Costs can vary greatly. That's why it is important to discuss your wants and needs with a life insurance quote to see what life insurance coverage works best for you.
On average...
Monthly Premiums: Final expense whole life: Usually $30 to $70/month for a healthy 50–85-year-old buying $10,000–$20,000 in coverage.
Factors That Affect Cost
Age/Gender/Health/ Coverage Amount/Policy Type.
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