Final Expense Burial Life Insurance

Affordable Final Expense Life Insurance

Benefits of Final Expense Life Insurance

  • Easy Application process
  • No Medical Records
  • No Medical Testing – No Blood Work, No urine samples,
  • We specialize in 1st-day coverage or benefits
  • Your coverage starts from your first payment
  • Your rates will never increase
  • Your coverage will never decrease
  • You can add more coverage later if needed
  • Fast payment of death benefit occurs after claim approval

Amount of Coverage for Final Expense Life Insurance

  • Age 1 – 59 – up to $100,000 Certain conditionns apply
  • Age 60-75 – up to $50,000 
  • Age 76-85 up to 25,000
  • Age 85-89 up to 15,000
  • Age 90 up to 10,000

Types of Final Expense Life Insurance

There are only two types of final expense insurance:   Simplified and Guaranteed

Each varies slightly in how much coverage you can get, how much you’ll pay for it, and how much medical information you’ll need to provide.

1. Simplified Issue Life Insurance

Just as the name is Simplified, it is simple and easy to qualify for. 

The good news, No Medical exam(s). No Medical records from your doctors are required. Just yes/no questions on the applicatioin.  

Policies can be issued the same day or next day in most cases.

If you were previously denied traditional life insurance, or you may not qualify for a traditional life insurance policy due to one of multiple facts (health/medical challenges, , age), or you are looking for a smaller amount of coverage for burial expenses or final expense coverage and possibly leaving some extra funds for your loved ones, a final expense policy is a great fit.

2. Guaranteed Issue Life Insurance

Guaranteed final expense life insurance is easier to get than simplified—you can get it even if you have a serious health issue. And like simplified final expense insurance, there’s no medical exam and an even shorter medical questionnaire (or none at all).

Because the insurance companies take on more risk with this type of policy, so they often make it up in several ways:

    Premium costs are higher than simplified issue plans and they have lower life insurance payout caps (usually $25,000). 

    Guaranteed issue plans require a longer waiting period – Some Insurance companies require a 2 or a 3-year waiting period.

    I.e. With Guaranteed Issue Final Expense life insurance, with a 24-month waiting period, if you die prior to the 24 month mark, the beneficiaries will receive all premiums paid plus 10% interest. If you die after 24 months,  the beneficiaries will receive the full life insurance of the policy.

    Health Conditions – We Can Help You

    • Diabetes
    • High Blood Pressure
    • Liver disease, Kidney disease
    • Cancer
    • Heart Attack
    • Stroke, TIA, Type 1
    • Memory Loss (Alzheimer’s/Dementia)
    • Epilepsy (Seizures)
    • Other medical conditions

    First Day Coverage – Simplified Issue plan

    We offer only burial, cremation, funeral, or final expense life insurance with first-day coverage or benefits (no 2-year waiting period).

    How Much Does Final Expense Insurance Cost?

    This depends on your age, amount of insurance, smoker or non-smoker.

    Get a Quote

    Same Day Approvals

    We can get you instant or same-day approvals with most of our insurance companies for Final Expense Life Insurance.


    How To Apply And Get Approved

    It takes about 10-15 minutes on the phone to determine your insurance needs and perform preliminary underwriting to see who will approve you for the lowest rates.

    After that, It takes about 15 minutes on the phone with an insurance company to get you approved.


    Step 1. Get an instant Quote to see what prices are.

    Step 2 – Call us at 801-747-9176 – We can help you get a final expense life insurance policy put in place from one of our final expense insurance companies.

    We help people over the phone or In person.


    You can start your plan right away.

    Most people prefer their monthly draft to coincide with their social security, retirement, or pension payday.

    Why Have Our Team Help you?

    We represent over a dozen insurance companies to find the right coverage and plan for each person I help.

    Different insurance companies specialize in different niches of life insurance.

    Our team will help determine which insurance company is the best fit based on your health concern(s) and the underwriting guidelines.

    We will ensure you get the correct coverage based on your needs, budget, and health.

    Get a Quote



    There are three basic requirements for you to work with us.

    1. You must meet age requirements (determined by each insurance company)
    2. You must be a US Citizen or a Permanent Resident
    3. You must have a valid checking or savings account with a bank or credit union.

    Payment Method Requirements

    We do not accept clients with payment methods such as mailing in checks, paying with credit or debit cards, or paying with a government Direct Express card.

    These payment methods have a high lapse rate because people forget to update their payment information after theft, loss, expiration, or replacement.

    Offering permanent life insurance with a high-lapse payment method does not serve our clients at the highest level.

    Q & A’s

    Q        Can I get more life insurance coverage if I already have a final expense life
    insurance policy?

    A        Yes, you can get additional coverage if you have a
    current policy. 

    Q         If I have a final expense policy, can you help me compare my current final expense life insurance policy to see if there is a better policy?

    A          Yes, Absolutely

    A          No Waiting Period options

    Some comparisons require that the policy be in place for either 2 or 3 years (a 2 or 3 year waiting period) befor the death benefit to be paid to my beneficiary(ies)?  We may be able to replace your policy and get day 1 coverage with no waiting period required. 

    Some insurance companies will take a client that has health challenges with no waiting period whereas other companies won’t. Clients will be put in a policy from an agent that has a 2 or a 3 year waiting period because the agent doesn’t know better.  

    A          Cleared from prior medical conditions  

    Or after a 3 years of having been cleared from cancer or a heart attack or having had a stroke, we have an insurance company that will give that individual a standard rating and not be required to be guaranteed issue, and not have to have a 2 or a 3 year waiting period like other insurance companies require for a prior health condition for cancer, strok or heart disease. So you can get an upgrade in coverage after 3 years having transpired from the date of being cleared.

    A        Better coverage – Lower price or more coverage

    A client may be paying more with their current insurance company and often there is a different insurance company that will offer a better priced final expense policy, either a lower premium or same price and be able to get more coverage for the same payment.

    Q        How easy is it to get a final expense life insurance policy?

    A        It’s a simple process to have a final expense life
    insurance policy issued. We can do an application via the phone to collect the
    information in about 10 to 15 minutes. Pending on which insurance company the
    policy is issued from, we either will have an email sent to you to
    electronically sign or do a phone interview with the insurance company.
    Different insurance companies have different requirements for either a voice
    verification or an electronic verification.

    Q         If the person insured dies right away when the policy is issued, does the insurance company pay out?

    A          It depends on the plan. Simplified issued plans pay out immediately on day 1 of coverage in place. Guarantee issued plans require a 2-year waiting period.  The beneficiaries receive all the premiums paid plus 10% interest.

     What about offers I get in the mail with a 2 year waiting period? 

    Agents or companies that offer “state-regulated life insurance programs,” $9.95 per unit plans, 2-year waiting period only policies, or temporary term life insurance will often say almost anything to sell you a policy.

    Companies that engage in deceptive marketing and misleading advertising should not be trusted!

    If an agent or company isn’t honest from their first contact with you, things won’t improve over time.

    It is better to do business with an agent and a broker who will help find the right coverage from a carrier that will approve you and your budget fits the amount of coverage.