Covers the funeral
The benefit is paid in cash directly to the person you name. They can use it for the service, the casket, the plot, the headstone — whatever the moment actually requires.
Get my quote →Final expense life insurance for ages 50 to 85, with plans starting around $2 a day.* No medical exam. Your rate is locked in for life and your coverage can never be cancelled for health reasons once approved.
A licensed agent answers in about 60 seconds. Free quote, no obligation, and no one comes to your home unless you ask.
A funeral is one of the largest expenses most families ever face — and it arrives with no warning, at the worst possible moment, and usually has to be paid up front.
| Typical final expenses | Common range |
|---|---|
| Funeral service and viewing | $5,000 – $9,000 |
| Casket or urn | $1,200 – $5,000 |
| Cemetery plot, opening and closing | $2,000 – $5,000 |
| Headstone or marker | $1,000 – $3,000 |
| Remaining medical bills and debts | Varies widely |
| What families are often left to cover | $10,000 – $20,000+ |
Figures are general industry estimates for illustration only and vary substantially by region, provider and the arrangements chosen. They are not a statement of what any particular funeral will cost.
There's no physical, no blood work and no doctor visit. Your agent asks a short list of yes/no health questions right on the call.
No exam, no needles, no doctor visit — and often a decision the same day.
The benefit is paid in cash directly to the person you name. They can use it for the service, the casket, the plot, the headstone — whatever the moment actually requires.
Get my quote →Medical balances, a credit card, the last few months of expenses. Money that isn't earmarked for a funeral can go straight toward whatever else you leave behind.
Get my quote →Without coverage, the cost usually comes out of a spouse's savings or a child's credit card. This is what keeps that from happening.
Get my quote →Once your policy is in force and premiums are paid, the company cannot cancel it or raise your rate because your health changed or you got older.
Get my quote →The amount you're quoted is the amount you pay for as long as you keep the policy. It does not go up at 70, or 80, or ever.
Get my quote →You call, you get your numbers, you decide. Nobody shows up at your door and nobody has to come inside your house.
Get my quote →Dial 1-844-697-2142. A licensed agent picks up — no menus, no hold music, no callback list.
Your age, your state, whether you use tobacco, and a short health history. No exam, no blood work, no doctor visit.
You get your actual monthly price and coverage amount. Take it or leave it — the call costs nothing either way.
Plans in that range exist, but whether you qualify for one depends on your age, your health, whether you use tobacco, the state you live in, how much coverage you want, and which insurance company you go with. Someone applying at 52 in good health and someone applying at 79 will not see the same number. That's exactly why the quote happens on the phone — the agent runs your actual details and tells you your real price before you apply to anything.
No. There is no physical, no blood work and no urine sample. You'll answer a short list of yes/no health questions on the phone and that's it.
Many common conditions — controlled diabetes, high blood pressure, high cholesterol, past cancers beyond a waiting period — are still accepted. Health history is one factor among several, and the only way to know where you land is to answer the questions and let the agent run it. It costs nothing to find out.
No. These are whole life policies. The premium quoted when you're approved stays the same for the life of the policy, and the coverage doesn't expire at a certain age as long as premiums are paid.
It goes to the beneficiary you name — a spouse, a child, whoever you choose. It's paid as a cash benefit, generally income-tax-free to the beneficiary, and it isn't restricted to funeral costs. Most claims are paid within days of the paperwork being filed, not months.
No. Everything can be handled over the phone. Nobody is dispatched to your home and nobody needs to come inside.
No. This is private life insurance offered by independent insurance companies. We are not connected with or endorsed by the U.S. government, the federal Medicare program, or the Social Security Administration. The Social Security death benefit is a one-time payment of $255, which is why most families need coverage of their own.
One phone call. No exam, no obligation, no one at your door. Just your real number from a licensed agent.
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