Final expense life insurance is a type of permanent life insurance designed to cover end-of-life costs like funeral expenses, burial or cremation, medical bills, and outstanding debts. It typically offers smaller coverage amounts (up to $40,000) with easier qualification requirements and fixed premiums that don't increase with age.

Most final expense policies offer coverage between $5,000 and $40,000, depending on your age and health. The exact amount you qualify for depends on the insurance company's guidelines, your age, and your answers to health questions during the application process.

Monthly premiums typically range from $30 and up, depending on your age, coverage amount, health status, and the insurance carrier. The younger you are generally, the lower rates you will pay. Most companies offer guaranteed level premiums that never increase, so your monthly cost stays the same for life.

The money goes to the beneficiary (or beneficiaries) you name on your policy. This can be a spouse, child, other family member, friend, or even an organization. Your beneficiary receives the death benefit directly and can use it for any purpose, though it's typically intended for funeral costs and final expenses.

To apply, simply click on the Get A Quote or Get Started buttons on this page. You'll be taken to start our application process online, that will then connect you on the phone with one of our licensed agents in your state of residence. They will assist you in providing your free quotes, exploring options, and submitting an application. Final coverage and pricing are determined by the insurance carrier.