Final Expense Life Insurance

Affordable coverage to protect your loved ones

Lock in lifetime coverage that helps pay for funeral and end‑of‑life costs. No medical exam for most applicants. Licensed expert guidance—backed by 30+ carriers.

What is Final Expense life insurance?

Final Expense life insurance is a small whole life policy designed to pay funeral and other end‑of‑life costs. Coverage typically ranges from $5,000–$35,000, premiums never increase, coverage never decreases, and most applicants don’t need a medical exam.

Coverage options $5,000–$35,000
Fixed rates that never increase
Many approvals up to age 85
Same‑day decisions available
Get Free Quote Call (484) 729‑8157
Licensed in all 50 states • Top‑rated carriers • No obligation to enroll • A+ rated options available

What is Final Expense?

Final Expense (also called burial insurance) is a small whole life policy designed to cover funeral costs, medical bills, and other end‑of‑life expenses—so your family isn’t left with the burden.

  • Premiums never increase
  • Coverage never decreases
  • Builds cash value over time

Why families choose Final Expense

Simple, predictable protection tailored to your needs and budget.

Looking for local guidance? Explore our state guides hub for costs, carriers, and city pages.

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No medical exam
Answer a few health questions
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Rates never increase
Premiums stay the same for life
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Coverage is guaranteed*
Many approvals up to age 85
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Cash value growth
Whole life benefits accumulate
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Fast decisions
Same‑day coverage available
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Flexible coverage
Choose $5,000–$35,000

*Eligibility and approval depend on health questions and carrier guidelines.

How it works

  1. Check eligibility
    Answer a few health questions—no exam for most.
  2. Compare final expense quotes
    We shop 30+ carriers to fit your budget.
  3. Apply online
    E‑signature and instant decisions available.

Sample rates by age

Actual rates vary by age, health, state, and carrier. These sample ranges help you plan; we’ll tailor exact quotes for you.

Age 60
$10k: ~$30–$45/mo
$20k: ~$55–$85/mo
Age 70
$10k: ~$45–$70/mo
$20k: ~$85–$130/mo
Age 80
$10k: ~$95–$150/mo
$20k: varies; eligibility required
Compare final expense quotes Call (484) 729‑8157

How payouts and claims work

Final Expense is whole life insurance that pays a tax‑free benefit to your beneficiary. Here’s the simple process your family can expect.

1) Notify the carrier
Your beneficiary contacts the insurance company and we assist them with the claim.
2) Provide documents
A claim form and a certified death certificate are usually required.
3) Receive benefits
After review, benefits are paid—often within days—so expenses can be covered on time.

Choosing your coverage amount

Many families select $10,000–$20,000 of coverage to match typical funeral and end‑of‑life costs. We’ll tailor recommendations to your wishes and budget.

  • Burial or cremation preferences and local costs
  • Any medical bills or final debts to consider
  • Whether you want a small cushion for your family
Get a personalized quote Talk to a licensed agent

About the Agent

Akiem Lawson

Health Agent (Medicare) • Life Agent

Experience:
5 years
NPN:
20704118
Location:
Wichita, KS
Availability:
Mo–Fr 9AM–6PM CT
Sa–Su Closed
States: All 50 states • Network Agent
Send Email Call Akiem

About Me

Hi, I’m Akiem Lawson—your local insurance agent focused on helping individuals and families find the right coverage for life, health, Medicare, and final expenses. I keep things simple, honest, and personal so you can feel confident about your choices. Let’s protect what matters most together.

Final Expense Indexed Universal Medicare Advantage Medicare Supplement Prescription Drug

Top carriers we quote

Availability varies by state and product. We’ll match you to the right fit.

Aetna Mutual of Omaha Americo Transamerica Foresters Financial Royal Neighbors Gerber Life Liberty Bankers American Amicable Prosperity

Get your free quote

No pressure. No obligation. Just clear options matched to you.

Call (484) 729‑8157 Email an expert

Final Expense FAQs

Typically funeral services, burial/cremation, medical bills, and small debts. It helps protect your family from out‑of‑pocket expenses.
No. With whole‑life Final Expense, your premium and coverage are locked for life as long as payments are made on time.
Most carriers do not require a medical exam. Approval is based on answers to health questions and, in some cases, prescription history. If you prefer coverage with no health questions asked, see our guaranteed acceptance life insurance options.
Many families choose $10,000–$20,000 to cover typical funeral costs. We’ll help you tailor the amount to your wishes and budget.
Many plans pay full benefits immediately for accidental death and have a graded benefit (often two years) for non‑accidental death. We’ll check if you qualify for level benefits.

Ready to protect your family’s future?

Speak with a licensed expert and compare quotes in minutes.

Call (484) 729‑8157 Get Free Quote