Whole life final expense
Lifelong coverage that pays a set amount toward your funeral expenses and final bills. Your age and health set your monthly payment.
Final Expense & Burial Insurance
Prepare to cover your funeral expenses and final bills with a personalized policy that works best for you and your family. In one call, a licensed agent compares top carriers like Mutual of Omaha, Transamerica and Aetna to find the right one.
Available weekdays, 8 AM to 5 PM Pacific.
Potential coverage
What your agent may discuss with you
Each option below meets a different need. Your agent will help you see which ones fit, and answer your questions along the way.
Flexible health options
Regardless of health status, some plans may phase in your full benefit over two years. Others, from carriers like Mutual of Omaha and Corebridge Financial, pay it in full after two years.
Other life coverage
If you need more than final expense, your agent can also help with mortgage protection, term life, indexed universal life and more.
Rate information
What decides your plan and your rate
Three things shape the options available to you and what you pay each month.
Your age
Coverage is available across a wide range of ages. The younger you are when your policy starts, the lower your monthly payment.
Your health
Your health may affect which plans are open to you, and whether your full benefit starts on day one or after a waiting period.
Your coverage amount
Choose anything from a simple, low-cost plan that covers the basics to a larger policy that leaves more behind for your family. Your agent helps you find the amount that fits your budget.
Not sure where you fit? Your agent will walk you through it.
Request a callCommon questions
What does final expense insurance cover?
When you pass away, final expense insurance pays a set amount to the person you choose. That money can go toward your funeral, burial or cremation, outstanding medical bills, or any other costs your family is left to handle. How it's spent is up to them.
Will I need a medical exam?
Often not. Many final expense plans are issued without a medical exam, and your agent will explain exactly what each carrier asks for before you apply.
Can I buy a policy for my parent?
Yes, as long as your parent agrees to it. Your parent will typically need to answer the health questions and sign the application, and your agent will guide you both through each step.
Who will I be speaking with?
A licensed life insurance agent who specializes in final expense, not a call center. Your agent takes the time to understand your situation and what matters most to you and your family, compares plans across our carriers, and explains each option clearly so you can decide with confidence.