"I called expecting a sales pitch. Instead Jim took 20 minutes to explain everything, no rush. I locked in coverage that day and felt relief I hadn't felt in years."
M
Margaret R.
Age 68 · Florida
Final expense whole life insurance covers funeral costs, medical bills, and outstanding debts — so your loved ones don't have to. Lock in rates today that won't increase as you age.
Takes 30 seconds · No obligation · Licensed agents only
A licensed agent will call within 10 minutes.
Add unpaid medical bills, credit card balances, and lingering debts — and the average family is left with $15,000+ in final expenses when a loved one passes.
Most people don't have life insurance after retirement. Their families pay the bill. Final expense whole life coverage exists for exactly this reason.
No medical exam. No pressure. No surprises.
Fill out a short form — name, age, ZIP, phone. Takes about 30 seconds.
An agent calls you with personalized coverage options for your state and age.
Choose the plan that fits your budget. Rates locked for life — guaranteed.
Real conversations with our agents. Real coverage. Real peace of mind.
"I called expecting a sales pitch. Instead Jim took 20 minutes to explain everything, no rush. I locked in coverage that day and felt relief I hadn't felt in years."
"Doctors found out I have diabetes years ago and every insurance company turned me down. FamilyInsured got me covered the same week. No exam, no hassle."
"After my husband passed, the bills nearly broke our family. I made sure my own kids would never go through that. Locked in coverage for $42 a month and never looked back."
Customer reviews represent individual experiences. Coverage, premium, and eligibility vary by applicant and state. Names changed to protect privacy.
Get a free quote from a licensed agent. No obligation. No medical exam.
Get My Free QuoteFinal expense insurance is a whole-life policy designed to cover end-of-life costs — funeral and burial expenses, medical bills, outstanding debts, and other final costs your family would otherwise pay out of pocket. Coverage amounts typically range from $5,000 to $50,000.
No. Our final expense policies don't require a medical exam. Approval is based on a few simple health questions — many applicants are approved even with conditions like diabetes, high blood pressure, or prior heart issues.
We offer coverage for adults ages 50–85. Final premium and coverage amounts depend on your age, state, and health questionnaire answers.
No. Final expense whole-life policies have a level premium — what you pay in your first month is what you'll pay for the life of the policy. Your rate is locked in based on your age at the time of approval.
Premium varies by age, coverage amount, state, and health profile. A licensed agent will walk through your personalized quote on the phone — there is no cost or obligation to request one.
No. FamilyInsured is a private insurance referral service. We are not affiliated with the federal government, any state agency, Medicare, or the Social Security Administration. Policies are underwritten by licensed insurance carriers, and we connect you with licensed independent agents for quotes.
Coverage is currently available in 49 states. New York residents are not eligible at this time.