Leave Your Family a Legacy, Not Debt

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Trusted by thousands

Peace of Mind for Your Family

A guaranteed, tax-free cash payout ensures your family won’t struggle with final bills or funeral costs.

Lifetime Financial Predictability

A Dignified Exit Without Burden

Ease the burden on your family. Your policy can help cover services, debts, or simply offer a financial cushion.

Your premium is locked in for life. Your policy will never be canceled due to age or health changes.

Why Families Choose Final Expense Insurance

No medical exam required

Instant decision available

Coverage as low as $20/month

No Cost or Obligation

What Final Expense Owners Are Saying

Don’t go anywhere else for your insurance needs on this type of policy. This was so easily completed with ample opportunity to ask plenty of questions and get your needs met. Great peace of mind knowing everything was done by a professional who knows his business inside and out, affordable products to choose from, and great ease of application process.

I had no idea what I was doing and I’m thrilled that my policy was completed in less than 30 minutes. What a relief to work with someone who cares and knows their profession! Thank you so much!

I hesitated for so long in trying to find an insurance policy that fit my needs. I didn’t want the salesman’s pitch or pressure to purchase a policy that was beyond my budget. I was looking for the bare minimum for burial expenses,

I waited for the sales pitch. He got right to the point and gave me only the quotes I needed. No pitch. Very professional and so easy to do business with. In no time at all, I was approved and feel a burden has been lifted.

Final expense insurance suits consumers in many stages of life. Consider some of the benefits: May be less expensive than other policy types. Depending on your age, location, and health status, final expense insurance may be the most affordable option.

No medical underwriting. Since these policies are less extensive than other types of life insurance, they usually don’t require a medical exam.

Option for guaranteed issue. If you have pre-existing conditions or other health issues that can disqualify you from other life insurance types, you can apply for a guaranteed issue policy.

Fixed premium. Your monthly, quarterly, or annual premiums will stay steady throughout the duration of the policy.

Guaranteed payout. Unlike term insurance, final expense policies don’t expire. As long as you pay your premiums, your beneficiaries will receive the death benefit.

Final expense insurance can help your loved ones pay for funeral expenses, medical bills, and outstanding debt after your death. These policies tend to be more accessible and affordable to older adults, people with pre-existing conditions, and those with limited budgets.

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Frequently Asked Questions

What if I can't afford it?

Glad to hear it. Can I ask how much coverage you have and what it’s intended to cover? Many clients find that their current policy doesn’t account for funeral costs, which now average $9,000 or more. This plan helps close that gap.

I already have a life insurance policy. Do I really need a final expense policy?

That’s a fair point. Final Expense is designed for people who want permanent coverage that won’t expire like term insurance. You’re not just paying for a death benefit — you’re buying lifetime peace of mind that your loved ones won’t have to scrape together funds when you pass. It’s about certainty, not speculation.

The premiums seem steep for the limited coverage amount. Why?

The waiting period is only for those with more serious health conditions; and it’s how insurance companies can still approve you without a medical exam. Most people qualify for immediate coverage, and if not, your premiums are refunded with interest. It’s a safe way to get protected, even with health concerns.

Why is there a two-year waiting period before full benefits kick in?

Final Expense isn’t meant to replace income or pay off a mortgage — it’s focused on protecting your family from the burden of burial, cremation, and medical bills. And if you need more, we can layer it with other coverage types. But this gives you a guaranteed, affordable foundation

What will the policy cover?

You’re not alone. Some clients choose to name a trusted third party, like a funeral home or a co-beneficiary. We can also help you set up a written plan so your wishes are clearly laid out. You control the policy now, and we’ll help make sure that control carries through.

I’m worried my beneficiary won’t use the money for my funeral.

Unfortunately, some companies focus more on sales than service. That’s not us. I’ll walk you through every benefit and limitation before you apply — no pressure, no gimmicks. The right policy isn’t about hype — it’s about fit.

The ads made it seem like coverage was more comprehensive.

Let’s build the plan around a payment you know you can stick to. Some policies even offer premium flexibility or payment reminders. This isn’t about overextending — it’s about designing something that lasts.”

What happens if I miss a pay-ment and lose my coverage.

It’s hard to understand all the fine print.

That’s my job — not yours. I’ll translate everything into plain English. You’ll know exactly what you’re getting and what you’re not. If it doesn’t make sense, we won’t move forward. Period

That’s the perfect time to get covered. When you’re healthy, you lock in the lowest rates and eliminate the risk of becoming uninsurable later. Health can change unexpectedly, and with final expense coverage, you’re not buying it for today, you’re planning wisely for tomorrow.

Why do I need a final expense policy? I'm in good health.

I don’t want to think about dying.

No one does — it’s a tough topic. But the truth is, this isn’t about death. It’s about life — making sure your loved ones are cared for when you’re no longer there to do it yourself. A simple plan now means your family can focus on remembering you, not scrambling to pay for your burial.

I hear you. Most of our clients are on fixed incomes too. That’s why we offer policies that start as low as $1 a day—less than a cup of coffee. We can customize it to fit your budget.

No Cost or Obligation