Life Insurance & Final Expense
Protect your family from the unexpected
Affordable whole life and final expense plans designed for seniors — guaranteed acceptance options, premiums that never increase, and benefits paid directly to your loved ones.
Why final expense coverage matters
The average funeral in the United States costs between $8,000 and $12,000 — and that doesn't include medical bills, outstanding debts, or other end-of-life expenses. Without a plan in place, those costs fall directly on your family at an already difficult time.
Final Expense life insurance is a simple, affordable solution. It's a whole life policy with a modest death benefit — typically $5,000 to $25,000 — designed specifically to cover these costs so your loved ones aren't left with a financial burden.
Our plans
Coverage options for every need
We offer two types of senior life insurance — both permanent, both affordable, both designed with seniors in mind.
Final Expense Life Insurance
Whole life coverage for end-of-life costs
A permanent whole life policy with a modest death benefit designed to cover funeral costs, medical bills, and other final expenses. Premiums are locked in for life and the policy never expires.
- Coverage from $5,000 to $25,000
- Guaranteed acceptance options available (ages 45–85)
- No medical exam required for most plans
- Premiums locked in — never increase
- Policy never expires as long as premiums are paid
- Benefits paid directly to your named beneficiary
Best for
Seniors aged 50–85 who want simple, affordable coverage to protect their family from funeral and end-of-life costs.
Senior Life Insurance
Whole life coverage for broader needs
Whole life policies with higher benefit amounts for seniors who want to leave a financial legacy, cover larger debts, or provide income replacement for a surviving spouse.
- Coverage from $25,000 to $150,000+
- Simplified issue — no full medical exam
- Builds cash value over time
- Permanent coverage that lasts a lifetime
- Income replacement for surviving spouse
- Leave a financial legacy for your family
Best for
Seniors who want higher coverage amounts to replace income, pay off a mortgage, or leave an inheritance.
Why work with us
An independent broker in your corner
We shop 20+ carriers
We're not tied to one company. We compare rates from over 20 top-rated carriers to find you the best coverage at the lowest price.
No medical exam required
Most of our final expense plans require only a few health questions — no blood draws, no physicals, no waiting.
Guaranteed acceptance options
Even if you have serious health conditions, we have guaranteed issue plans that accept all applicants ages 45–85.
Completely free service
Our advice and plan comparison is 100% free to you. We're paid by the carriers — you pay the same price whether you use us or not.
Common questions
What you need to know
Get your free final expense quote today
No obligation, no pressure. We'll compare plans from 20+ carriers and find the right coverage for your budget.
Call us directly
(909) 283-2298
Mon–Fri, 8am–6pm PT
No obligation. No pressure. Completely free service.