Final Expense Insurance for Seniors | Family Promise Final Expense

Final expense life insurance for adults 50 and up.

Affordable burial & funeral insurance quotes with no medical exam required. Lock in lifetime rates, protect your family, and leave a legacy — not a bill.

Guaranteed issue available

No medical exam

Ages 50 – 85 welcome

Rates locked for life

Final Expense Coverage shaped around real life

Four plans, one promise — your family is protected from the costs that come at the end of life.

Burial Insurance

A simple whole-life policy that pays a tax-free benefit to cover burial plots, caskets, headstones, and graveside services — so your family never carries the cost.

$5,000 – $50,000 coverage
Rates locked for life
Cash value that grows

Funeral Insurance

Affordable funeral insurance quotes for seniors. Cover ceremonies, viewings, transportation, and clergy fees with a plan built around your budget.

Coverage starting at $30/mo
Pays out in days, not weeks
Use the funeral home of your choice

End-of-Life Insurance

Peace of mind for the moments that matter most. Protect loved ones from medical bills, legal fees, and unexpected end-of-life expenses.

No medical exam required
Accepts pre-existing conditions
Benefits never decrease

Last Expense Insurance

Last expense coverage designed for seniors on a fixed income. Small premiums, big relief, with guaranteed acceptance options up to age 85.

Guaranteed issue available
Ages 50 – 85 welcome
Free, no-pressure quotes

A plan for every situation

Whatever brought you here — we have a quote for it.

Burial Insurance for Seniors

Simple whole-life coverage from $5,000 to $50,000 — no exam, no waiting on lab results.

No Medical Exam Life Insurance

Skip the needles and the paperwork. Approval based on a few short health questions.

Guaranteed Issue Life Insurance

Zero health questions, zero exams. Acceptance is guaranteed — perfect for ages 50–85.

Affordable Funeral Insurance Quotes

Compare top-rated carriers side by side and find the lowest rate you qualify for.

Final Expense Life Insurance

Local, licensed agents across the US. We meet you where you are — in person, by phone, or online.

Coverage Over 65, 70, 75, 80

Plans built specifically for seniors over 65, 70, 75, and 80. Premiums never increase.

Honest answers, no jargon

Final expense insurance is a small whole-life policy designed to cover end-of-life costs like funeral services, burial or cremation, headstones, and outstanding medical bills. The tax-free benefit goes straight to your beneficiary so your family isn't left with the burden.

Final expense IS a type of whole life insurance. The difference is scale and underwriting: traditional whole life policies are often $100,000+ and require a medical exam, while final expense policies range from $5,000–$50,000 and typically require no exam — just a few health questions, or none at all with guaranteed issue.

Yes. Burial insurance pays a cash benefit your family can spend however they choose — traditional burial, cremation, memorial services, urns, or even outstanding bills. It's flexible by design.

Most seniors pay between $40 and $90 per month. Your rate depends on age, gender, health, and coverage amount. Once approved, your premium and benefit are locked in for life — they never go up and the coverage never expires.

A traditional funeral with burial averages $8,000–$12,000 in the United States, and costs continue to rise each year. Cremation services average $6,000–$7,000. A modest final expense policy is often enough to cover the full bill.

You can still get covered. Simplified-issue policies approve most common conditions like diabetes, high blood pressure, COPD, and heart disease. Guaranteed issue policies accept everyone regardless of health, with no medical exam and no health questions.