Final expense insurance is specifically designed to cover end-of-life costs like funerals and medical bills, typically offering smaller death benefits ($2,000–$50,000) that are easier for seniors to qualify for. Traditional life insurance often requires medical exams and provides larger sums intended for income replacement.

For most of our plans, no medical exam is required. Approval is based on your answers to a few health-related questions on the application. We also offer guaranteed issue policies for those with more significant health concerns, which require no health questions at all.

No. Once your policy is issued, your monthly premium is locked in and will never increase, regardless of changes in your age or health.

The death benefit is paid in full to your designated beneficiary. Any money left over after paying for final expenses is theirs to use as they see fit. It can be a source of financial support or a small inheritance for your loved ones.