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Simple to get. Easy to afford.
No medical exam, zero upfront cost. Apply in minutes and receive your policy.
Plans start at $2 a day.
*Price depends on age and health.Coverage up to $50,000 for funeral costs, final bills, and the family you leave behind.
*Prices shown are examples, not quotes. Your actual price depends on your age, health, tobacco use, coverage amount, and carrier. No-exam eligibility depends on age and health. All coverage is subject to underwriting approval.
One simple policy. Total peace of mind.
Your rate is locked
Your monthly payment is set the day you start and won’t go up as you get older.
Coverage for life
Permanent whole life coverage that never expires, as long as premiums are paid.
No medical exam options
Many plans ask just a few health questions, and guaranteed-acceptance options exist.
A traditional funeral can cost $8,000 or more.
Without a plan, that bill usually lands on your children or spouse — often in the same week they’re grieving. A final expense policy pays your chosen beneficiary directly, so they can cover:
- Funeral, burial, or cremation
- Headstone, flowers, and memorial
- Medical and hospital bills
- Credit cards and remaining debts
- Travel for family and final wishes
What to think about when picking coverage
How much is enough
Start with funeral costs where you live, then add any medical bills, debts, or wishes you want covered. Most people choose between $5,000 and $50,000.
A premium you can keep paying
Final expense is usually whole life, so you pay for as long as you live. Pick an amount you’re comfortable with for the long run. If payments stop, coverage can end.
Who you name
The benefit goes to the beneficiary you choose, not a funeral home. Name someone you trust to handle your final wishes, and keep it up to date.
Your health decides which type of plan fits
Final expense plans usually fall into three groups. Your age and health answers determine which you qualify for, and that affects both price and when the full benefit is paid.
| HealthiestLevel benefit | Some conditionsGraded or modified | No health questionsGuaranteed acceptance | |
|---|---|---|---|
| How you qualify | Answer health questions, usually no exam | Answer health questions; some conditions are accepted | No health questions within the eligible ages |
| Full benefit paid | From day one | Often after a 2–3 year waiting period | Usually after a 2–3 year waiting period |
| If death is from natural causes during the waiting period | Not applicable | A partial benefit, or premiums paid plus interest | Typically premiums paid plus interest, not the full benefit |
| Price | Lowest | Higher | Highest per dollar of coverage |
| Coverage amounts | Widest range | Often lower limits | Lowest limits, often $25,000 or less |
General descriptions only. Eligible ages, waiting periods, partial-benefit rules, and coverage limits vary by carrier and state. Because carriers view health conditions differently, someone declined by one company may qualify for a level-benefit plan with another.
Know the waiting period before you buy
Guaranteed-acceptance plans are easy to get, but they’re not the right first choice for everyone. Before you apply, make sure you understand:
- How long the waiting period lasts, and exactly what your family would receive if you pass away during it
- Whether accidental death is covered in full from day one (it often is, but check)
- The maximum benefit the plan allows, and whether it’s enough for your wishes
- Whether a plan with health questions could give you full coverage sooner, for less
Covered in 3 easy steps
Tell me about you
Answer a few quick questions — it takes about a minute.
I shop the carriers
I compare A-rated companies to find your best price and approval odds.
You choose, with no pressure
Pick the plan that fits your budget. If nothing fits, you owe nothing.
“I don’t work for one insurance company — I work for you. My job is to find you the right coverage at the right price, with straight answers and zero pressure.”
Renzo Aurazo · Independent Life Insurance Broker · NPN 21687906
View my state licenses →Straight answers
How much coverage do I need?
Most people choose between $5,000 and $50,000 — enough for a funeral plus a cushion for bills. I’ll help you estimate a realistic number for your area.
Can I qualify with health issues?
Often, yes. Each carrier looks at health conditions differently, which is the big advantage of working with a broker. Guaranteed-acceptance policies are also available, though they typically include a waiting period before the full benefit is paid.
How quickly is the benefit paid?
Final expense claims are generally processed quickly once the carrier receives the required paperwork, so your family has funds when they need them.
Who receives the money?
The beneficiary you choose. They can use it for funeral costs or anything else — it isn’t tied to one funeral home.
Give your family peace of mind today
It takes about a minute, costs nothing, and there’s no obligation. Let me find the coverage that fits your budget and your health.
Prefer to talk? Schedule a call or message me on WhatsApp.
This page is for general educational purposes only and is not a contract or a guarantee of coverage. Product availability, features, and pricing vary by carrier and state, and all coverage is subject to underwriting approval.