Licensed agents · 50 states No medical exam $5,000 – $50,000 in coverage

Final expense coverage · Ages 50–80

Let your family focus on the arrangements — not on how to pay for them.

A small whole life policy covers the funeral, the last medical bills, and the odds and ends nobody plans for. Your rate is locked for life and the money goes straight to the person you name.

  • No medical exam and no doctor visit — just a few health questions.
  • Your rate never goes up and the coverage never expires, as long as premiums are paid.
  • Six quick questions. Most people finish in about a minute.
An older couple sitting close together, smiling

See what your coverage would cost

Step 1 of 6 About a minute left

How much coverage are you looking for?

Most people start around $10,000. You can change this on the call.

Please choose an option to continue.

What's your age?

Coverage on this page is written for ages 50 to 80.

Please choose an option to continue.

What matters most to you?

This helps the agent recommend the right amount.

Please choose an option to continue.

Have you been treated for any of these?

Check all that apply. A yes here doesn't disqualify you — it changes which carrier fits best.

Choose at least one, or select "None of these."

A little about you

Carriers are licensed state by state, so we need this to match you with the right one.

Please fill in your state and gender.

Where should we send your quote?

A licensed agent will call at the time you pick. No home visits, ever.

Please complete every field and check the consent box.

You're all set

Your request is in. A licensed agent will reach out during the time you picked.

  • 1.A short call — about ten minutes, nothing to prepare.
  • 2.You'll see real quotes from several carriers.
  • 3.If you like one, most people are approved the same day.

Thank you for your interest

The coverage on this page is written for ages 50 to 80. We aren't able to quote outside that range right now, but you're welcome to check back with us later.

"Coverage that lets your family focus on the arrangements, not on how they're going to pay for them."

That's the whole idea. Not a fortune, not an investment — money already sitting there, available when your family needs it most.

  • Paid in days, not monthsThe benefit goes straight to your beneficiary — it doesn't wait on probate.
  • Rates never increaseOnce you're approved, the premium is locked for life.
  • Theirs to use as they needEasily cover funeral arrangements, medical bills, and more.
An older couple sitting together at home by a window

What the money is actually for

Funeral homes usually want payment up front, weeks before an estate is settled. This is the money that covers it — and whatever's left goes to your family with no strings attached.

  • The service

    Funeral home fees, casket or cremation, the plot, the headstone, flowers, and the gathering afterward.

  • The last bills

    Hospital balances, hospice costs, and the medical bills that tend to arrive weeks after everything else.

  • What's left over

    Credit cards, a car note, travel for family coming in — and whatever you'd want to leave behind for them.

The difference it makes

The average funeral starts at around $8,000, and it's usually due within days. Same week, same family — the only thing that changes is whether the money was already there.

Without coverage

  • Someone has to find several thousand dollars in a few days.
  • Decisions get made around a budget instead of around you.
  • Credit cards, loans from relatives, or an online fundraiser.
  • Money becomes the conversation during the hardest week.

With coverage in place

  • The benefit is paid to your beneficiary, usually within days.
  • They arrange the service you'd have wanted, not the cheapest one.
  • No debt, no borrowing, no asking anyone for help.
  • Less stress. More time with the people they love.

What happens after you finish the questions

No home visits, no stack of paperwork in the mail, no pressure. Three steps and it's done.

An older couple talking together outdoors
FIRST

A short call

A licensed agent calls at the time you chose and asks a few health questions. About ten minutes, and you can end it whenever you like.

A family sitting together on a sofa at home
THEN

Real numbers

You'll see what several A-rated carriers would charge for the amount you want, side by side, so you can pick what fits your budget.

An older couple smiling together outdoors
FINALLY

Coverage in place

Coverage begins as soon as the first payment is made and your rate is locked in for life.

What decides your rate

There's no single price for this. The agent works through it with you on the call.

Age, health, and how much coverage you want

Those three things set your premium. Your age matters most, and your rate locks the day you're approved — so every birthday you wait moves you up a bracket permanently. A health condition doesn't rule you out; it points you toward the carrier that treats it most favorably, and that's most of what the agent is doing for you.

Coverage is subject to underwriting approval. Availability, benefits, and pricing vary by carrier and state.

From people who've been through it

A few of the reasons folks tell us they finally sat down and took care of this.

★★★★★

"I expected a hard sell. He answered my questions and told me what it would cost. I signed up two days later because I wanted to, not because he pushed."
RMRosa M.
Tampa, Florida

★★★★★

"My kids didn't want to talk about any of this. Now it's handled and they don't have to. That's honestly the whole reason I did it."
DWDennis W.
Columbus, Ohio

★★★★★

"I've got a heart condition and figured nobody would take me. They found a company that would, and the payment fits my monthly check."
JTJanet T.
Greenville, South Carolina

Questions people ask us

Do I have to take a medical exam?

No. There's no exam and no visit to a doctor. The agent asks a short list of health questions on the call, and that's the whole underwriting process.

Can I be turned down because of my health?

Most people qualify for something. Certain conditions may change which carrier fits best, or how the first two years of the policy work. The agent will tell you exactly where you stand before you decide anything.

Will my rate go up as I get older?

No. These are whole life policies. The premium is set when you're approved and stays the same for the life of the policy, and the coverage doesn't expire as long as it's paid.

Who gets the money, and how fast?

Whoever you name as the beneficiary. It's paid directly to them, usually within days of the claim, and they can use it however they need to — it isn't restricted to funeral costs.

How much coverage do I actually need?

Most people start around $10,000, which covers a typical funeral with some room left over. If you also want to clear debts or leave something behind, $25,000 or more is common.

Why does waiting cost me money?

Final expense premiums are priced by age. Every birthday moves you into a higher bracket, and once your rate is locked in it never changes — so the youngest you'll ever be for this is today.

One less thing for your family to figure out

Six questions, about a minute of your time. Take care of the funeral costs so your family can focus on the arrangements instead of stressing over money. Don't let the last thing you leave them be a bill.

See my quote

No cost, no obligation, no home visit.

See my quote