Do I need a medical exam to qualify?

No. Final expense plans are underwritten with a short set of health questions over the phone. There is no medical exam, no lab work and no doctor visit. Applicants with health conditions may still qualify, often through a guaranteed issue plan.

How much does final expense insurance cost?

Premiums depend on your age, state, gender, tobacco use, health answers and the amount of coverage you choose. Because rates vary by carrier, the only way to know your price is to compare quotes. Once a policy is issued, the premium is locked and does not increase with age.

The bill still comes. Make sure it isn’t theirs.

Q: What is final expense insurance?

Final expense insurance is a small whole life policy, usually between $5,000 and $50,000, designed to cover funeral costs, burial or cremation, medical bills and other end-of-life expenses. The money is paid directly to the beneficiary you name, who can use it for anything.

Q: Can I be turned down for coverage?

Approval depends on the carrier and your health answers. Many applicants who are declined for standard life insurance still qualify for a graded or guaranteed issue final expense plan, which pays a limited benefit during the first two policy years and the full benefit after that.

Q: How do I stop calls, texts or emails from Final Expense?

Reply STOP to any text message, click unsubscribe in any email, tell the agent on the phone to place you on our internal Do Not Call list, or email info@liveleadssolution.com. We honor every request promptly and keep your number on our internal Do Not Call list.

A final expense policy is cash, paid directly to the person you choose, usually within days of a claim. No medical exam — a short set of health questions is enough for most applicants aged 45 to 85.

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Four ways families size this policy

There is no single right amount. Most people work backward from what a funeral in their area actually costs, then round up.

$5,000–$10,000

Covers cremation and a small gathering

The lowest premium tier. Pays for direct cremation, a modest memorial and whatever small bills are left over.

$10,000–$20,000

Covers a traditional burial

Where most policies land. Casket, plot, headstone and a full funeral service, priced the way most funeral homes bill.

$20,000–$35,000

Covers the funeral plus what you owe

A full service with room left over for medical bills, credit cards or other debt you would rather not pass on.

$35,000–$50,000

Leaves something behind

Everything above, plus a small amount left for a spouse or grandchild once the immediate costs are settled.

Coverage amounts, availability and pricing vary by carrier, state, age and health answers. This is general information, not a quote or an offer of insurance.

One phone call, not a stack of paperwork

Most applicants finish all three steps in the same conversation.

Tell us the basics
Name, contact details and your state — that is all we need to pull rates from the carriers licensed where you live.
Answer a few health questions
A licensed agent calls, asks a short list of yes-or-no questions, and matches you to the carriers most likely to approve you at the best price.
Choose and sign
Pick the coverage amount that fits your budget and sign electronically. Many applicants are approved the same day.

What makes this different from a typical life policy

No medical exam, ever

Approval runs on a short set of health questions over the phone — no labs, no needles, no doctor visit required.

It does not expire

Unlike term insurance, a whole life final expense policy stays in force for as long as you keep paying, with no cutoff at 70 or 80.

Health issues rarely rule you out

Diabetes, high blood pressure or a heart history still leave most applicants with options, including guaranteed issue plans for anyone who is otherwise declined.

We work for you, not one carrier

We compare rates across multiple A-rated companies instead of representing a single insurer, then show you the lowest one you qualify for.

Questions people ask before they call

What is final expense insurance?

It is a small whole life policy, usually between $5,000 and $50,000, built to cover funeral costs, burial or cremation, medical bills and other end-of-life expenses. The benefit is paid in cash to the beneficiary you name, and they can spend it on whatever they need.

Do I need a medical exam?

No. There is no exam, no blood work and no doctor visit. A licensed agent asks a short set of health questions by phone, and the carrier decides from your answers and prescription history.

How much will it cost me per month?

Your premium depends on your age, state, gender, tobacco use, health answers and the coverage amount you choose. Because every carrier prices differently, comparing is the only way to find your actual rate. Once a policy is issued, the premium is locked for life.

Can I be declined?

It depends on the carrier and your health answers. Many people who are declined for standard life insurance still qualify for a graded or guaranteed issue final expense plan, which pays a limited benefit during the first two policy years and the full benefit after that.

Is there a waiting period?

Immediate-benefit plans pay the full amount from day one. Graded and guaranteed issue plans generally return your premiums plus interest if death occurs in the first two years, then pay the full benefit. Your agent will tell you exactly which type you qualify for before you sign anything.

What happens after I submit this form?

Your information goes to Final Expense and a licensed insurance agent contacts you by phone, text or email using the consent you gave on the form. There is no cost and no obligation, and you can end the call at any time.

How do I stop being contacted?

Reply STOP to any text message, click unsubscribe in any email, tell the agent on the phone to add you to our internal Do Not Call list, or email info@liveleadssolution.com. We honor every request promptly and keep your number on our internal Do Not Call list.

The premium only goes up from here.

Today's rate is the cheapest it will ever be. Comparing plans costs nothing and takes about two minutes.

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