Final Expenses
Straightforward,
thoughtful protection
Compare quotes from top-rated plans
Lifelong
protection
Coverage that stays
with you for life
Covers
basics
Built to take care of
end-of-life expenses
Simple
Approval
No medical exam
needed
What is Final Expense Insurance?
Final expense insurance is a type of life insurance that helps cover costs that come at the end of life, such as medical bills, funeral services, of small debts. The coverage amount is usually smaller than other life insurance plans, which makes it more affordable and easler to qualify for, older adults. Its main purpose is to help your loved ones manage end-of-life expenses with less finacial stress.
Why people get Final Expense Insurance
People choose Final Expense Insurance for many reasons, but it always comes down to caring for the people they love.
Here’s how love keeps providing through Final Expenses:
Funeral costs
helps cover memorial expenses
Debts
Relietf remaining balances
Medical
Takes care of final healthcare
Peace of mind
Eases stress for loved ones
“Why I Chose Final Expense Insurance”
Adrian, 45 - Planning early
Goal: Protect savings for his family
“I’ve been building my savings for years and don’t want it to end up paying for final costs. Final expense insurence lets me take care of that now, so my family can actually use that money in a way that benefits them”
George, 71 - Retired with health condition
Goal: Find coverage that fits age & health
“I waited too long to get life insurance, and now, with my age and health condition, it´s harder to qualify. Final expense gave me an option I could actually get. Now I can be at peace knowing my family won’t have to worry about money when I’m gone”
Diana, 59 - Mother of two
Goal: Protect her children from financial stress
“When my mon passed, we had to start a crowdfunding page to pay for everything. It was painful to ask for help. I got final expense insuance so my kids never have to go through that”
The smart way to
get Final Expense Insurance
Ozzo does the reseach so you get quality protection at the best price
Affordable
From
$8/month
Easy approval
No exam
required
Trusted carriers
Rated A
or higher
Proven track record
100+
Years Strong
Years Strong
All plans we feature meet these standards and more.
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A Closer Look at Final Expenses
Find your answers on Final Expense Insurance.
How does final expense insurance work?
It’s a small whole life policy meant to cover end-of-life costs. As long as you keep paying your premiums, it stays active for life. When you pass away, your loved ones receive a tax-free benefit they can use for anything they need.
How long does the plan last?
It never expires.
Your coverage stays active for life, and your premium will never increase.
What does it cover?
Families often use it for funeral or cremation costs, medical bills, or small debts.
The payout can also help with everyday expenses during a difficult time.
How much coverage do I need?
Most people choose between $10,000 and $25,000.
Think about what would help your family the most and ease their financial stress.
Can I qualify if I have health issues?
Yes. Many plans accept people with medical conditions.
Some are “guaranteed issue,” meaning no health questions or medical exams are
required.
Do I need a medical exam?
No. Most policies don’t require one, and approval is usually quick and simple.
How does the payout help my family?
The payout goes directly to your loved ones, often within days of filing a claim.
They can use it however they need, giving them peace of mind when it matters most.
How is final expense insurance different from regular life insurance?
Final expense insurance covers smaller, end-of-life costs.
It’s easy to qualify for and lasts for life.
Regular life insurance offers higher coverage to protect income, pay off a mortgage, or support long-term goals.
Many people choose final expense insurance later in life for simple, lasting protection.
