Most final expense policies up to $25,000 don't require a medical exam. Agents will ask some health questions, but approval is usually simple and fast, often within 24-48 hours.

Many people with health conditions still qualify. Final expense insurance is designed to be easier to get than traditional life insurance, even if you have diabetes, heart conditions, or other health concerns.

Most people pay between $50-150 per month depending on age, health, and coverage amount. The agents will provide exact quotes based on your situation. No guessing, just real numbers.

Final expense insurance (also called burial or funeral insurance) pays a lump sum to your family when you pass away. They can use it for funeral costs, burial expenses, medical bills, or any outstanding debts, giving them financial relief during a difficult time.

Yes! Final expense insurance is available for people up to age 85 with most carriers. Your agent will help you find the right policy regardless of your age.

Most policies start immediately once approved. Some policies have a 2-year waiting period for natural causes, but accidents are typically covered right away. Your agent will explain the specific terms of each policy option.

Yes. Unlike pre-paid funeral plans that lock you into specific arrangements, final expense insurance pays cash directly to your beneficiaries. They decide how to use it. Funeral, burial, cremation, bills, or anything else they need.