Take the Burden Off the People You Love.
A funeral now averages $10,000 to $14,000. Final expense insurance pays it quickly, directly to your family, without probate delays. Simple to qualify. Simple to keep.
Real scenarios we see across the country.
The average funeral costs more than most families keep in savings.
A full service, burial, and headstone runs $10,000 to $14,000 in most of the country. Cremation is less, but still $3,000 to $6,000. Grieving families shouldn't be raising money on GoFundMe.
You've been declined before because of your health.
Final expense policies are designed for older adults with health conditions. Simplified underwriting means you can qualify with diabetes, heart history, and other issues that block traditional coverage.
You don't want your kids fighting over the bill.
Without a policy, someone has to write the check, often a son or daughter putting it on a credit card at 24% interest. A final expense policy prevents all of it.
You want to leave a small legacy, not a debt.
A modest $15,000 to $25,000 policy covers the funeral and leaves a little something behind for grandkids or a favorite charity.
How we fix it.
Final expense insurance is deliberately simple. Coverage from $5,000 to $50,000. No medical exam. A short list of health questions. Rates locked for life. Benefit paid to your family, usually within 24 to 48 hours of the claim. We help you pick the right amount, place it with a top-rated carrier licensed in your state, and never touch it again.
Ready to talk it through?
A quick 15-minute call is usually all it takes to know what fits.
What you actually get.
Guaranteed acceptance options
Even with serious health issues, guaranteed-issue plans are available for adults 50 to 85 in most states.
No medical exam
Just a short health questionnaire. Approval is often same-day.
Coverage never decreases
Unlike some group policies, your death benefit stays level for life.
Premiums never go up
Lock in today's rate and pay the same amount at 65, 75, and 85.
Cash value builds inside the policy
Whole life final expense policies build modest cash value you can borrow against if needed.
Fast payout to your family
Most claims pay within 24 to 48 hours of receiving the death certificate, before the funeral home invoice is due.
From first call to full coverage.
Pick the amount
We help you match coverage to funeral costs in your area, usually $10K to $25K.
Answer a few questions
No exam. No blood work. A short phone application and approval is often same-day.
Rest easy
Policy in force, rate locked for life, family protected. That's it.
Built for these families.
- Adults 50 to 85 who don't have a policy yet
- Seniors on a fixed income
- People declined by traditional life insurance because of health
- Anyone who wants to make sure their kids or spouse don't get stuck with the funeral bill
- Grandparents wanting to leave a small, guaranteed legacy
Local feel. National reach.
Funeral costs vary by region, and we work with A-rated carriers that specialize in simplified and guaranteed-issue final expense in all 50 states. We help you pick the amount that matches actual local costs, not a national ballpark. Same-day approvals are common.
Not sure which policy fits?
We compare A-rated carriers so you don't have to. Your quote is always free.
Questions we hear from working families
Other ways we protect working families.
Life Insurance
Whole and permanent policies built to protect your family for the long haul.
Term Life Insurance
Affordable 10, 20, and 30-year policies that cover the years that matter most.
Annuities
Guaranteed, tax-deferred growth and a paycheck for life in retirement.
Indexed Universal Life (IUL)
Permanent life insurance with market-linked growth and tax-advantaged access.
Get a Free Quote Today.
Veteran and first responder owned. Now serving in all 50 states. Call (253) 500-1563 or send a message. We usually reply the same day.