Backed by A-rated carriers · Licensed in all 50 states
$25,000 Final Expense Plans
- Access part of your benefit while you're still living1
- No medical or blood test required2
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Common questions
Do I need final expense insurance?
A funeral in the United States typically costs $8,000 to $12,000. That includes the service, burial or cremation, and related costs. Without coverage, your family pays that bill — often at the hardest moment of their lives. A final expense plan pays those costs for them, so money is one thing they will not have to worry about.
How does it work?
You pay a fixed amount each month, and your rate never goes up. When you pass away, the person you choose (your beneficiary) receives one tax-free payment — usually within days of the claim. They can use the money however they need: the funeral, unpaid bills, or everyday costs while they grieve.
Why is there no medical exam?
These plans were designed to skip the medical exam and blood test. Most ask a few simple health questions instead. Some plans accept you based only on your age and where you live — no health questions at all. That is why Americans with health conditions, or who were declined before, can still qualify.
Who are the insurance carriers?
We work with A-rated (or better) insurance carriers licensed in all 50 states. Your policy is a contract with a real, financially strong insurance company — not a membership plan or third-party benefit program. A licensed agent will confirm which carrier offers the best rate for your specific situation.
What does it cost?
As a guide: non-smokers in their 50s typically pay about $30–$50 per month for $25,000 of coverage. Your exact rate depends on your age, gender, state, smoking status, and the amount you choose. A licensed agent will confirm your rate after you submit the form. There is no obligation to buy.
- Living Benefits: Select plans include an accelerated death benefit rider that allows the policyholder to access a portion of the death benefit while living if diagnosed with a qualifying terminal illness. Availability and terms vary by product and state. Speak with a licensed agent for details.
- No Medical Exam: Simplified-issue and guaranteed-acceptance products do not require a medical examination or blood test. Eligibility for simplified-issue products is subject to health questions at the time of application. Guaranteed-acceptance products are available to all eligible US residents within the specified age band, subject to a graded benefit period in the first 24 months of coverage — meaning if death occurs in year one or two, the payout is limited (typically a return of premiums paid, not the full benefit amount). A licensed agent can explain the exact terms.