Free & No Obligation

Don't leave your family struggling with funeral costs. Get affordable final expense insurance coverage starting at just $18/month.

💡 Why Final Expense Insurance Matters

The average funeral with viewing and burial costs $10,000-$15,000 in 2025, but most families don't have this money saved. Final expense insurance ensures your loved ones won't face financial hardship during an already difficult time.

What Makes Final Expense Insurance Different?

Feature Traditional Life Insurance Final Expense Insurance
Coverage Amount $100,000+ $5,000 - $50,000
Medical Exam Required Not required
Approval Time 2-6 weeks 24-48 hours
Monthly Cost $100+ $18-$268
Age Range 18-65 50-89
Qualification Strict Easy

🎯 What Does Final Expense Insurance Cover?

Final expense insurance helps pay for:

Funeral & Burial Costs

  • Traditional funeral with viewing and burial ($10,000-$15,000)
  • Cremation with service ($6,000-$8,000)
  • Cemetery plot and headstone ($1,000-$10,000)
  • Casket or cremation container ($1,000-$4,000)

Other Expenses

  • Outstanding medical bills
  • Credit card debt
  • Legal and probate fees
  • Transportation costs
  • Any remaining final expenses

✅ Why Choose Final Expense Insurance?

Easy Qualification

  • No Medical Exam Required - Answer just a few simple health questions
  • Quick Approval - Get approved in 24-48 hours
  • Guaranteed Acceptance - Available for ages 50-89

Affordable & Reliable

  • Affordable Premiums - Starting as low as $18/month
  • Coverage Never Decreases - Your family gets the full benefit amount
  • Premiums Never Increase - Locked-in rate for life

Peace of Mind

  • Immediate Protection - Coverage starts right away
  • No Hidden Fees - What you see is what you pay
  • Family Protection - Your loved ones are protected

âš¡ Don't Wait - Costs Increase With Age

Every year you wait, your premiums get higher:

  • Wait 1 year: Pay $5-$15 more per month for life
  • Wait 5 years: Pay $20-$50 more per month for life
  • Wait 10 years: Pay $50-$100+ more per month for life

Example: A 65-year-old pays about $40/month for $10,000 coverage. The same person at age 75 pays about $70/month - that's an extra $360 per year for the same coverage.

👥 Who Should Consider This Coverage?

Perfect for people who:

  • ✅ Are ages 50-89
  • ✅ Want to protect family from funeral costs
  • ✅ Have been denied traditional life insurance
  • ✅ Are on a fixed income
  • ✅ Don't have enough savings for final expenses
  • ✅ Want simple, affordable coverage

💰 Real Cost Examples

What does $10,000 coverage actually cost?

  • Woman, Age 65: Approximately $35-$45/month
  • Man, Age 65: Approximately $40-$50/month
  • Woman, Age 75: Approximately $55-$70/month
  • Man, Age 75: Approximately $65-$85/month

These are estimated ranges. Your actual rate depends on health, coverage amount, and insurer.

📋 Frequently Asked Questions

How much coverage do I need?

Most people choose $10,000-$20,000 to cover average funeral costs ($10,000-$15,000) plus outstanding debts and expenses. A $10,000 policy can cover most funeral expenses for less than a dollar a day.

Can I be denied coverage?

Guaranteed acceptance policies cannot deny coverage if you meet age requirements (50-89). Simplified issue policies may ask basic health questions but are much easier to qualify for than traditional life insurance.

When does my coverage start?

Coverage begins immediately for accidents. For natural death or illness, guaranteed acceptance policies typically have a 2-year waiting period, while simplified issue policies may offer immediate coverage.

How much do premiums cost?

Premiums typically range from $18-$268 per month depending on your age, health, and coverage amount. Most people pay between $30-$70 per month for adequate coverage.

Sample Monthly Rates by Age:

  • Ages 60-65: $18-$88 per month
  • Ages 65-70: $22-$93 per month
  • Ages 70-75: $28-$116 per month
  • Ages 80-85: $51-$268 per month

Is this the same as burial insurance?

Yes, final expense insurance and burial insurance are the same thing. Both are designed to cover funeral and burial costs, along with other final expenses.

🚀 Ready to Get Protected?

Don't wait until it's too late. Get your free final expense insurance quote today and give your family peace of mind.

Get Started Now

No obligation • No pressure • Just answers

Call Now: (904) 344-5584

Licensed agents available Monday-Friday, 8 AM - 8 PM EST

📞 Need Help?

Our licensed insurance agents are here to help you find the perfect final expense policy for your needs and budget.

Contact us today:

  • Phone: (904) 344-5584
  • Hours: Monday-Friday, 8 AM - 8 PM EST
  • Service: Free consultation and quotes

This information is for educational purposes only. Coverage and availability vary by state. Please consult with a licensed agent for specific details.