Nationwide · Ages 45–85
Final expense insurance, made simple
Burial and final expense coverage for seniors across the U.S. One call compares licensed carriers — no medical exam, rates locked for life, guaranteed acceptance options. Available Mon–Sat, 8am–8pm EST.
Get a free quote
(800) 555-0142
Mon–Sat, 8am–8pm EST
By calling this number, you consent to be connected with a licensed final expense insurance provider. Calls may be recorded for quality and training purposes.
Guaranteed Options
Acceptance available
Free Quotes
No forms, just call
No Medical Exam
A few questions at most
Ages 45–85
Coverage for seniors
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Alabama
5 cities
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Colorado
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Florida
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Georgia
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Hawaii
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Idaho
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Illinois
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Iowa
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Kansas
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Kentucky
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Louisiana
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Maine
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Maryland
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Massachusetts
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Michigan
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Minnesota
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Mississippi
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Missouri
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Montana
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Nebraska
5 cities
Nevada
5 cities
New Hampshire
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New Jersey
5 cities
New Mexico
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New York
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North Carolina
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North Dakota
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Ohio
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Oklahoma
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Oregon
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Pennsylvania
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Rhode Island
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South Carolina
5 cities
South Dakota
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Tennessee
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Texas
5 cities
Utah
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Vermont
5 cities
Virginia
5 cities
Washington
5 cities
West Virginia
5 cities
Wisconsin
5 cities
Wyoming
5 cities
Washington, D.C.
5 cities
How it works
01
Call us
Tell us your age and a little about your health. Takes about 60 seconds.
02
Get real rates
A licensed specialist compares carriers and quotes you live on the call.
03
Pick your plan
Choose the coverage amount and plan that fits your budget. No exam required.
04
Get covered
Many policies are issued the same day, with the rate locked for life.
Common questions
How much does final expense insurance cost?
Most seniors pay $30 to $120 per month for $10,000 of coverage in 2026, depending on age, gender, and plan type. Rates are locked for life once the policy is issued and never increase.
Do I need a medical exam?
No. Every plan we compare skips the medical exam. Simplified issue asks a few health questions; guaranteed issue asks none at all. There is no blood work and no paramedic visit.
Can I be covered if I have health problems?
Yes. Controlled diabetes, high blood pressure, and older heart events usually qualify for simplified issue. For serious conditions, guaranteed issue accepts you regardless of health through age 85.
What ages can get coverage?
Most carriers write final expense whole life for applicants aged 45 to 85, with some guaranteed issue plans available through 89. The rate locks the day you are approved.
Who actually pays the claim?
The insurance carrier pays the death benefit directly to your named beneficiary, tax-free in almost every case. FinalExpense.org is a free referral service that connects you with licensed agents and carriers — we do not issue policies ourselves.