Final Expense Whole Life · No Medical Exam

Leave your family peace, not bills.

Final expense whole-life insurance covers funerals, medical bills, and outstanding debts — so your loved ones grieve, not worry. Lock in rates today that stay the same for life.

No medical exam. Approval based on simple health questions.
Coverage in 49 states for ages 50–85.
Rates locked for life. Premium never goes up.
Licensed agent personally walks through your plan.

Get my free quote

30-second form · No obligation · Licensed agent calls within minutes

Get your free quote

A licensed agent will call you with personalized options.

By checking this box, I provide my electronic signature and express written consent to receive calls, text messages, and pre-recorded messages from FamilyInsured and its licensed insurance agents at the phone number provided, including via automated technology, regarding insurance products. Consent is not a condition of purchase. Standard message and data rates may apply. I agree to the Privacy Policy and Terms of Service.

Your information is secure. We never sell your data.

States covered

Seconds to apply

Minute callback

A+

Carrier underwriting

Our promise

Caring for your family the way you cared for them.

We started FamilyInsured because too many families inherit funeral bills along with their grief. Average final expenses now exceed $15,000 — costs that shouldn't fall on the children, grandchildren, or spouses left behind.

Our agents are licensed professionals, not high-pressure salespeople. They listen first. They explain options in plain English. And they only recommend coverage that fits your budget and your family's needs — never more.

That's our promise. No pressure. No surprises. Just protection, the way it should be.

How it works

Three quiet steps to peace of mind.

Tell us about you

A 30-second form — name, age, ZIP, phone. Nothing invasive. No commitments.

A friendly conversation

A licensed agent calls within minutes. Walks through your options at your pace, in plain language.

Coverage locked in

Pick the plan that fits. Rates are guaranteed for life. Your family is protected, starting day one.

Stories from families like yours

Real conversations. Real coverage.

I called expecting a sales pitch. Instead Jim took twenty minutes to explain everything, no rush. I locked in coverage that day and felt relief I hadn't felt in years.

Margaret R.

Age 68 · Florida

I have diabetes and every insurance company turned me down. FamilyInsured got me covered the same week. No exam, no judgment, no hassle.

Robert T.

Age 72 · Texas

After my husband passed, the bills nearly broke our family. I made sure my own kids would never go through that. Locked in coverage and never looked back.

Patricia L.

Age 64 · Ohio

Customer reviews represent individual experiences. Coverage, premium, and eligibility vary by applicant and state. Photos shown are stock imagery, actor portrayal. Names changed to protect privacy.

Backed by trust

A+ Rated

Underwriting Carriers

Licensed in 49 States

Compliant Coverage

Privacy Protected

TLS Encrypted · No Resale

TCPA Compliant

Express Consent Only

Give your family peace.
Take thirty seconds.

No medical exam. No pressure. A licensed agent does the rest.

Get my free quote

Common questions

Frequently asked

What is final expense insurance?

Final 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.

Do I need a medical exam?

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.

What ages qualify?

We offer coverage for adults ages 50–85. Final premium and coverage amounts depend on your age, state, and health questionnaire answers.

Will my rate go up over time?

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.

How much does coverage cost?

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.

Is FamilyInsured affiliated with the government or Medicare?

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.

What states do you serve?

Coverage is currently available in 49 states. New York residents are not eligible at this time.