No Medical Exam Required

Protect the people
who matter most.

Final expense coverage starting at about a dollar a day. Give your family peace of mind — not a financial burden.

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Simple Process

Get covered in 3 easy steps

No complicated paperwork. No medical exams. Just straightforward protection for the people you love.

01

Answer a Few Questions

Take our quick 2-minute quiz about your age, health, and coverage needs.

02

Talk to a Licensed Agent

We'll call you at your preferred time to walk through your options — no pressure.

03

Get Protected

Lock in a rate that never goes up. Coverage can start immediately.

Why Final Expense

Coverage that gives you peace of mind

No Medical Exam

Most applicants qualify with just a few simple health questions. No needles, no doctor visits.

Rates That Never Increase

Lock in your rate today and it stays the same for life. No surprises down the road.

Benefits That Never Decrease

Your coverage amount is guaranteed. Your family gets exactly what you planned for.

Coverage From $5,000 to $25,000

Choose the amount that fits — enough to cover funeral costs, medical bills, and outstanding debts.

Immediate Coverage

Once approved, your coverage starts right away. No waiting periods for most plans.

Cash Value That Grows

Your policy builds cash value over time that you can borrow against if needed.

The average funeral costs over $8,000.

Don't leave that burden to your family. See what coverage you qualify for — it takes less than 2 minutes.

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Common Questions

Frequently asked questions

What is final expense insurance?+
Final expense is a small whole life insurance policy (typically $5,000–$25,000) designed to cover end-of-life costs like funeral expenses, medical bills, and outstanding debts — so your family isn't stuck with the bill.
Do I need a medical exam?+
No. Most final expense policies use simplified underwriting — just a few yes-or-no health questions. No doctor visits, no blood work, no needles.
How much does it cost?+
It depends on your age, health, and coverage amount, but most plans start around $30–$60 per month. Your rate is locked in for life once you're approved.
Can I qualify if I have health issues?+
In many cases, yes. Conditions like diabetes, high blood pressure, and COPD are often accepted. Our agents specialize in finding the right plan for your situation.
How quickly does coverage start?+
For most plans, coverage begins the day your policy is issued. Some plans with pre-existing conditions may have a graded benefit period — your agent will explain your options clearly.
Will my rate ever go up?+
No. Once you lock in your rate, it stays the same for life. Your benefit amount is also guaranteed to never decrease.
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