A funeral can cost a family five figures they didn't plan for. Lock in up to $35,000 in coverage — no medical exam, and your rate is locked in for life.
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A final expense whole life policy stays in force for life — as long as premiums are paid. The benefit goes directly to your beneficiary. They use it for the funeral, outstanding debt, or whatever they need. No expiration. No questions about a date.
The honest comparison
Most families don't talk about it until it's too late. Here's the straight side-by-side.
Term life (for 50+)
Premium spikes at renewal
Final expense whole life
Locked rate · Lifetime coverage
Prepaid funeral plan
Vendor-locked · non-portable
Simple by design
No paperwork to mail. No exam to schedule. No pressure to buy.
Tell us your age and what you're looking for. Takes about 60 seconds — no sensitive data.
A licensed agent calls to walk you through coverage and rate options for your state and age.
If it makes sense, you're covered the same day. If it doesn't, no obligation. Simple as that.
What's in the policy
No surprise riders, no fancy illustrations. Here's exactly what you get.
A fixed benefit paid to your beneficiary — backed by the claims-paying ability of the issuing insurer.
Your premium is set at your current age and does not increase as you get older.
The policy stays in force for life as long as premiums are paid — it never expires on you.
Qualification is based on a few health questions over the phone — no labs, no needles.
The policy accumulates cash value over time you can borrow against if you ever need to.
The benefit is paid in cash to your beneficiary — for the funeral, debt, or anything else.
Why families choose us
"I'd been putting this off for years because I figured the medical exam would disqualify me. There was no exam — just a few questions. The agent was patient and never once pressured me. I finally have it handled."
"My wife and I did this together one evening. We compared it to the prepaid plan the funeral home pushed on us — this made far more sense because the money goes to her, not the funeral home. Took maybe ten minutes."
"What sold me was how straight the agent was. She told me one option wasn't worth it for my situation and pointed me to the right one. You don't expect that honesty. I rest easier knowing my daughter won't get stuck with the bill."
Testimonials reflect individual experiences; results vary. Actor portrayal may be used.
Straight answers
Yes. Qualification is based on a short set of health questions over the phone — no labs, no needles, no doctor's visit. Many common health conditions are still considered.
No. With final expense whole life, your premium is locked in at your current age and does not increase as you get older. The coverage stays in force for life as long as premiums are paid.
The benefit is paid in cash directly to the beneficiary you name. They decide how to use it — funeral costs, outstanding debt, or anything else. Guarantees are backed by the claims-paying ability of the issuing insurer.
None. The quote and the call are free. A licensed agent reviews your options; if it doesn't make sense for you, you walk away — no cost, no pressure.
We currently offer coverage in 49 states. Coverage is not available in New York at this time.
Rates are based on your age today. The sooner you lock it in, the lower it stays — for life. Take 60 seconds and see what you qualify for.
See if I qualify