Final expense life insurance is a small, permanent policy that covers the funeral and the bills that come after. Answer a few simple questions to see your options.
Home office in Tampa, Florida · Serving families across the United States
Permanent coverage from $5,000 up to $100,000, depending on the plan and your health, so the funeral and final bills never land on your family. Locked-in premium, no exam on most plans.
See your options →Coverage that fills the gap VA burial benefits leave. We work with veterans and their spouses across the United States.
Veteran options →Permanent coverage with cash value, or term sized to your mortgage. Explained plainly, including when they're not the right fit.
Learn more →A few minutes. No medical exam to see your options.
A licensed broker looks it over before anything is quoted.
Two or three carriers side by side, with the trade-offs explained.
That’s the right way to judge how much coverage your family needs.
On many plans, your loved ones are covered from the first premium, with no two-year waiting period. Some plans do carry a waiting period; I'll tell you exactly which before you decide.
The premium never increases and the coverage never decreases. What you pay in year one is what you pay in year twenty.
The death benefit is paid directly to the person you choose, income-tax-free.
Many plans let you access a portion of the benefit while you're alive if you're diagnosed with a terminal illness. The exact terms vary by carrier.
This is whole life, not term. It doesn't expire at 70 or 80. As long as the premium is paid, it's there.
Not a government benefit, not connected to Medicare, Social Security, or the VA, and not a savings account. It's a private life insurance policy you own.
Often $5,000–$7,000 depending on the service and urn.
Often $10,000–$15,000 depending on the service, casket, and opening and closing of the grave.
Medical bills, credit cards, a car note, what's left on a mortgage. Most families can't absorb that on short notice, which is why people get this covered.
Ranges reflect what families commonly report; actual costs vary by funeral home and choices.
I've spent the last four-plus years working with veterans and their family members on final expense and life coverage. Most of the veterans I talk to want two things: make sure the funeral is handled, and leave a little extra behind for a spouse or the grandkids. Many have VA burial benefits, but those rarely cover the full cost of a service, and they don't pay the bills that keep arriving in your name.
You pick the one that fits. Coverage and premium depend on your age, health, and the carrier.
We're an independent life insurance brokerage with our home office in Tampa, Florida, serving families across the United States. We work with families across the country on final expense, life insurance for veterans and their spouses, indexed universal life, and mortgage protection. Because we're a brokerage contracted with 42 A-rated carriers and not a single insurance company, we compare plans across them and recommend the one that fits you, not the one that pays us most.
Licensed Life & Health Insurance Agent in all 50 states. Four-plus years helping families with this exact decision. I live in Tampa now, but I grew up in Chester County, Pennsylvania, and that's where this story starts.
When my grandmother passed, she left nothing behind to cover her funeral. I watched my family scramble to pay for the service, the burial, and the bills that kept arriving in her name, all while trying to grieve. Nobody had talked to her about a simple policy that would have cost less than a cable bill. That experience is why I got into life insurance, and it's why I focus on final expense coverage: it's the one thing I wish someone had sat down and explained to her.
Here's how we work. We're brokers, not salespeople for one company. Think of it like Expedia for life insurance: we're contracted with carriers like Mutual of Omaha, Foresters Financial, Transamerica, Americo, Corebridge Financial, and Ethos, and our job is to find you the most coverage for the lowest price. We don't have a bias toward any one of them; whatever fits you best wins. We handle the paperwork too: once we find the plan and the price that work, we submit the application together on the phone and find out if you're approved. And if I don't have an answer to your question, I will sure as heck find it for you. No pressure, no runaround.
Straight answers, including the ones that might talk you out of a policy.
No. The call is to understand your situation and show you options. You decide.
No. Your request goes only to the licensed agent named on this site. See our Privacy Policy.
Many final expense plans are designed for people with health conditions. Some have no health questions, though those typically cost more or have a waiting period. The agent will explain the trade-offs.
Many plans can be approved by phone the same day. Some plans include a two-year waiting period for natural causes; the agent will tell you exactly what applies.
Your details are never sold to lead buyers.
Look at your options, think it over, or walk away.
The same team stays with you after your policy is in place.
A few simple questions. No medical exam to see your options. No obligation.
Show me my options