Cover funeral and burial costs so your family isn't left with the bill. Guaranteed approval available. No medical exam required.
Get Final Expense Quotes →Final expense insurance (also called burial insurance) is a small whole life policy — typically $5,000–$25,000 — designed to cover end-of-life costs:
The average American funeral costs $12,000–$15,000. Final expense insurance ensures your family isn't left scrambling to cover it.
| Age | Male | Female | Tobacco User (M) |
|---|---|---|---|
| 50 | $29/mo | $23/mo | $41/mo |
| 55 | $34/mo | $27/mo | $50/mo |
| 60 | $39/mo | $31/mo | $59/mo |
| 65 | $51/mo | $39/mo | $77/mo |
| 70 | $68/mo | $52/mo | $104/mo |
| 75 | $97/mo | $73/mo | $148/mo |
| 80 | $142/mo | $108/mo | $218/mo |
| 85 | $198/mo | $152/mo | N/A |
| Type | Health Questions? | Waiting Period? | Best For |
|---|---|---|---|
| Level Benefit | Yes (simplified) | None — day-1 coverage | Relatively healthy applicants |
| Graded Benefit | Yes (simplified) | 2 years (partial payout) | Some health issues |
| Guaranteed Issue | None | 2 years | Serious health conditions |
| Modified Benefit | Yes | 2–3 years | Recent major health events |
| Company | Coverage Range | Max Age | Waiting Period? |
|---|---|---|---|
| Mutual of Omaha | $2,000–$25,000 | 85 | No (level benefit) |
| Foresters Financial | $3,000–$35,000 | 80 | No |
| American Amicable | $2,000–$30,000 | 80 | No |
| AIG (Guaranteed) | $5,000–$25,000 | 80 | 2 years |
| Gerber Life | $5,000–$25,000 | 80 | 2 years |
| Royal Neighbors | $5,000–$30,000 | 85 | No |
No — final expense policies require no physical exam. You'll answer a short health questionnaire (level benefit) or no questions at all (guaranteed issue). Approval is typically same-day.
Graded and guaranteed issue policies often have a 2-year waiting period. If you die in the first 2 years, beneficiaries receive your premiums back plus 10% interest — not the full death benefit. After 2 years, the full benefit pays out.
Yes. Most carriers issue policies up to age 80–85. Guaranteed issue options are available even with serious health conditions.
Guaranteed acceptance available. A licensed broker finds your best rate in 2 minutes.
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