Final Expense

Final expense insurance is typically designed for adults ages 45–85 who want affordable permanent life insurance to help cover funeral costs, burial or cremation expenses, medical bills, and other financial obligations left behind.

Final expense may be a good option if you:

• Are between 45 and 85 years old
• Have pre-existing health conditions
• Have been denied other life insurance policies
• Have had difficulty qualifying for traditional life insurance
• Want coverage without a traditional medical exam
• Only need a smaller amount of permanent coverage for final expenses
• Want to help prevent your family from having to pay funeral and burial costs out of pocket

Depending on your age and health, you may qualify for day-one coverage, graded-benefit coverage, or guaranteed-issue life insurance. Some options are specifically designed for people with significant health conditions or previous life insurance denials.

Don't assume your age or health means you can't get covered. Coverage options, age limits, benefits, and eligibility vary by carrier and state.