Get up to $40,000 cash for your family with a Final Expense Life Insurance Policy.

Fill out the form on your screen to instantly see quotes from the best final expense life insurance companies.

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Final Expense Life Insurance Overview

  • Permanent whole life coverage
  • Up to $40,000 in guaranteed funds
  • Ages 50 – 85
  • No medical exams
  • Coverage can begin the very next day
  • Simplified applications completed over the phone
  • Over a dozen highly rated carriers to shop
  • Guaranteed acceptance for individuals in poor health

Life Insurance Can Ease The Cost Of Your Final Expenses 

Not being prepared for end-of-life costs can leave loved ones in a difficult financial situation.  Personal debts, medical bills, and eventually, funeral costs all are expenses to consider when planning for the future.

A final expense policy provides guaranteed funds paid immediately to your beneficiary upon notification of death.  They can use the money however they choose. And you can rest easy knowing the money will be there when needed the most.

Did you know nearly 25 million Americans over age 65 live at or below the national poverty level? Additionally, there are millions more above this number, which significantly struggle in paying their monthly expenses. 

It’s estimated that roughly 40% of Americans will leave behind a financial burden to loved ones when they die.

Our digital agency helps you find affordable final expense life insurance coverage that can ensure this doesn’t happen to you.No Exam Life Insurance Quotes

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  • Birthdate: MM 1 2 3 4 5 6 7 8 9 10 11 12  DD 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31  Year 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 
  • Health Class: Excellent Health Decent Health Poor Health Coverage: $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $16,000 $17,000 $18,000 $19,000 $20,000 $25,000 $30,000 $35,000 $40,000 
  • Gender: Male  FemaleSmoker/Tobacco: Yes  No
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Helpful Resources

How Much Life Insurance Do I Need?

Why Every Senior Needs Life Insurance Coverage

Senior Life Insurance Policies

Guaranteed Acceptance Life Insurance

Life Insurance with Pre-existing Conditions

Compare Life Insurance Companies

Types of Final Expense Life Insurance Policies 

Final expense life insurance is an umbrella term that refers to no-exam life insurance policies for individuals over age 50.  There are three different types of policies that fit this under this umbrella term.

Standard Final Expense Policies

Standard policies provide standard provides up to $40,000 in coverage and standard premium rates for moderately health individuals.  These plans provide day one coverage and no waiting period. 

Modified Policies

Individuals who fail to health qualify for standard coverage can still get a modified policy.  The coverage amounts are a bit lower, and the premiums a bit higher. However, the quality of coverage remains the same. 

Modified Final expense policies are for individuals with mild to moderate chronic health conditions. 

Guaranteed Acceptance Policies

Guaranteed acceptance is a last resort coverage option for any individual who fails to qualify for traditional final expense life insurance coverage.  There are no medical or exams or any health questions whatsoever.  As long as you’re between ages 50 and 85, you cannot be turned down due to your health.

Guaranteed Acceptance policies provide up to $30,000 in coverage and have higher premium rates that Standard or Modified Plans.  Because there is no medical underwriting, there is a two-year waiting period before the full death benefit is available. 

Final Expense Life Insurance Rates

Are final expense policies affordable?  For the most part, yes.  Final expense coverage is more affordable than you might think.  The average premium cost of final expense life insurance is between $65 – $105.  

Premium rates vary based on your unique life circumstances.  Your age, gender, health, state of residence, zip code, and policy size all factor into your premium rate.   

Additionally, each life insurance company calculates these variable differently. Therefore, it’s crucial that you take the time to shop before you buy.  

It’s important to keep in mind that life insurance is an investment, not an expense.  The money that you pay through premium payments gets multiplied and returned to your beneficiary when you die. Life insurance is an investment vehicle that protects against inevitable future costs.

Act Now, Save Money

Age is the most significant factor in determining premium rates. Insurance companies increase rates as you age. And not just by the year. Many carriers increase their rates monthly. In other words, someone aged 65 and 10 months will pay higher rates than someone age 65 and 1month.

Once the decision gets life insurance has been made, any procrastination results in higher premium rates.

You can take action today by requesting quotes through our easy to use quote engine.

Find Your Best Policy and Price

It’s no secret that the insurance industry is fiercely competitive.  As a result, insurance companies compete with each other by catering do different subgroups of people.  Therefore, there is no single best final expense insurance company.  Instead, there are dozens of carriers offering quality products competing for your business.

If you’re looking for your perfect policy, you’re going to have to shop around. And the good news is you don’t have to go about it alone.No Exam Life Insurance Quotes

  • State:  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming 
  • Birthdate: MM 1 2 3 4 5 6 7 8 9 10 11 12  DD 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31  Year 1929 1930 1931 1932 1933 1934 1935 1936 1937 1938 1939 1940 1941 1942 1943 1944 1945 1946 1947 1948 1949 1950 1951 1952 1953 1954 1955 1956 1957 1958 1959 1960 1961 1962 1963 1964 1965 1966 1967 1968 1969 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 
  • Health Class: Excellent Health Decent Health Poor Health Coverage: $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $16,000 $17,000 $18,000 $19,000 $20,000 $25,000 $30,000 $35,000 $40,000 
  • Gender: Male  FemaleSmoker/Tobacco: Yes  No
  • Your Name:Phone Number:
  • Email Address:
  • GET QUOTES NOW

Independent Agents Save You Both Time & Money  

Individuals who go about the shopping process alone often overpay for their coverage, or worse, end up completely uninsured.  Savvy shoppers will seek the help of an independent agent to help them find their ideal policy.

Our independent agency specializes in helping senior individuals find affordable final expense life insurance coverage.  Independent agents work for YOU, not the insurance companies.

Our services are free. And there’s never any obligation when speaking with an agent. 

We’ve helped thousands of individuals secure the funds they need for their families. And we’d love to help you too!

Explore your options today by requesting a personalized final expense life insurance quote. Fill out the form on your screen to get started.