Peace of Mind Guaranteed
Protect Your Family From Unexpected Final Expenses.
Funerals can cost upwards of $9,000. Ensure your loved ones are given the gift of financial security during their time of grief with affordable, guaranteed acceptance burial insurance.
No Medical Exams Required
Approval is based on a few simple health questions. Perfect for seniors aged 50-85, regardless of pre-existing conditions.
Locked-In Premiums
Your monthly rate is locked in for life. It will never increase, and your benefits will never decrease as you age.
Fast, Tax-Free Payouts
Claims are typically paid within 24-48 hours directly to your beneficiary, completely tax-free, bypassing probate.
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Coverage Needs Estimator
Calculate exactly how much burial insurance you need to fully protect your loved ones.
Estimate any end-of-life medical costs you want covered.
Optional: Extra funds to leave behind for grandchildren or spouses.
Recommended Coverage
$11,000
Arrangements:
$8,500
Debts/Medical:
$2,500
Legacy:
$0
Burial Insurance vs. Traditional Life Insurance
Understand why final expense coverage is uniquely designed for seniors compared to standard term life insurance.
| Feature | Burial Insurance (Final Expense) | Traditional Term Life |
|---|---|---|
| Medical Exam | None Required | Required (Blood, Urine, Physical) |
| Coverage Amount | $5,000 to $35,000 (Targeted) | $100,000+ |
| Policy Duration | Whole Life (Never Expires) | Expires after 10-30 years |
| Premium Stability | Locked-in permanently | Increases significantly after term ends |
Frequently Asked Questions
In most cases, no. We offer Guaranteed Issue policies for applicants aged 50-85, meaning you cannot be denied for health reasons. For standard policies, there is no medical exam, just a brief health questionnaire.
It depends on the policy you qualify for. Many applicants qualify for "Day One" coverage, meaning the full death benefit is active immediately. If you have severe health issues and opt for a Guaranteed Issue policy, there may be a 2-year graded benefit period for non-accidental death.
No. The payout is given directly to your named beneficiary as a tax-free lump sum. While it is intended to cover funeral costs, medical bills, and end-of-life debts, your beneficiary has the legal right to use the funds however they see fit.