Final Expense Insurance
Affordable coverage to protect loved ones from funeral, medical, and final bills — with no medical exam.
Overview
Why Final Expense Insurance Matters
Final Expense Insurance is a type of whole life policy designed to cover essential costs at the end of life. It ensures your loved ones aren’t left with heavy financial burdens while giving you peace of mind.
Covers funeral & burial costs (average $8,000–$12,000)
Helps with outstanding medical bills not paid by Medicare/insurance
Assists with small debts or final bills
Why People Choose Final Expense
Who Benefits Most
Great For Changing Goals & Income
Choose UL if you value lifetime protection plus the ability to adapt your policy as your income, family needs, or goals evolve.
Professionals with variable income seeking premium flexibility.
Families who want protection and cash value growth together.
Long-term planners who may adjust coverage over time.
Cover Funeral & Burial
Helps pay typical funeral costs of $8,000–$12,000 so family isn’t stressed.
Medical & Final Bills
Covers expenses not paid by Medicare/insurance and small debts or last bills.
Peace of Mind
Lifetime protection that keeps premiums level and safeguards your loved ones.
Key Features
Ages 40–85 wanting affordable, permanent coverage
People with health issues who want easier approval
Anyone who doesn’t want loved ones to face sudden costs
Keep in Mind
Per-dollar cost is higher than large traditional life policies, but final expense is designed specifically for end-of-life needs and simplified approval.
Coverage Amounts
$2,000 – $50,000, sized for end-of-life needs.
Permanent Coverage
Lasts a lifetime as long as premiums are paid.
No Exam
Simplified underwriting—answer a few health questions.
Fixed Premiums
Your rate won’t increase with age.
How UL Compares
| Feature | Term Life | Whole Life | Universal Life This Page |
|---|---|---|---|
| Coverage Length | 10–30 years | Lifetime | Lifetime (flexible) |
| Premiums | Lowest | Fixed, higher | Adjustable |
| Cash Value | None | Guaranteed growth | Interest credited (varies by design) |
| Best For | Income protection | Legacy & guarantees | Adaptable needs & flexibility |
How It Works
Tell us about your needs—2 minutes.
Get options with coverage and pricing.
Apply online or by phone. Many approvals within minutes.
Terms Comparison
| Feature | Term Life | Whole Life | Indexed Universal Life | Final Expense Insurance |
|---|---|---|---|---|
| Coverage Length | 10–30 years | Lifetime | Lifetime (flexible) | Lifetime |
| Premiums | Lowest | Fixed, higher | Adjustable | Fixed (generally low face amounts) |
| Cash Value | None | Guaranteed growth | Interest credited (varies by design) | Guaranteed (builds slowly) |
| Best For | Income protection | Legacy & guarantees | Adaptable needs & flexibility | End-of-life costs (funeral, medical, debts) |
Design a Policy That Grows With You
We’ll help you balance flexibility, protection, and long-term value—without the jargon.
Trusted life insurance and annuity solutions, guiding families toward secure futures with reliable coverage, financial stability, and peace of mind.
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