Final expense insurance is a type of whole life insurance designed specifically to cover end-of-life costs, like funeral expenses, medical bills, or unpaid debts. Unlike traditional life insurance, it typically comes with a smaller death benefit (often between $5,000–$25,000), no medical exam, and fast approval. It's meant to ease the financial burden on your loved ones — not to build wealth or long-term coverage.

No medical exam is required. Most final expense policies only ask a few simple health questions — and some even offer guaranteed approval regardless of your health history. This makes it a great option for seniors who may not qualify for traditional policies due to age or pre-existing conditions.

Coverage typically ranges from $5,000 to $25,000, depending on your needs and age. Monthly premiums are generally affordable and stay the same for life — with no rate increases. You can get a personalized quote in minutes to see what fits your budget.