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Secure Your Loved Ones’ Future with Ease

Affordable Final Expense Life Insurance for a Peaceful Tomorrow

Compare rates from dozens of providers

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Near-perfect customer ratings

5 star rating
Based on 200+ reviews

Benefits of Final Expense Life Insurance



Manageable premiums cover end-of-life expenses without burdening loved ones.

Simple process

No medical exams and minimal paperwork for quick and stress-free coverage.



Certain policies offer protection regardless of potential health problems.

How does it work?

Get a quote

Get a Free Quote

Answer a few simple questions to calculate your rates from top insurers, keeping the process simple and efficient.

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Compare pricing without pressure at your own speed. Run multiple quotes, come back another day, the choice is yours.

Buy a Policy

Found a policy you like? Submit your application, and our licensed agents will quickly address any questions and get you insured.
5 star rating

Rated “Excellent” on Google

Based on 200+ reviews as of May 2024.
Lisa Cervantes
Lisa Cervantes
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My husband and I have been Insurancy customers for over 5 years now and our first ever Insurancy agent Bob was a great agent who soon retired and we did not think anyone could be better then he was but to our surprise Insurancy gave us yet another absolutely amazing agent Jennifer Plisch.
Brett Steele
Brett Steele
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I purchased life insurance through Insurancy seven years ago. I emailed Jen this week letting her know I wanted to increase my coverage. She responded within a few minutes and we were on the phone a couple hours later.Within 24 hours I had the new policy documents in my inbox. I can’t say enough good things about Jen’s experience and diligence.
Mark Ciarlante
Mark Ciarlante
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Jennifer was nothing less than perfection! Couldn’t be happier or feel confident that my family is in great hands. From start to finish Jen made it so easy
Melanie Kent
Melanie Kent
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Insurancy helped me with a life insurance policy and I can honestly say, I could have never expected such an easy approach and process, as they made it to be.
Yvette Pandelos
Yvette Pandelos
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They were a pleasure to work with. Insurancy guided throughout the approval process and was quick to followup with any questions or concerns.
Haley Emerick
Haley Emerick
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I submitted a request on a Sunday and immediately received a response saying they would call me on Monday to get more details. They explained the details and that was exactly what I needed! After only a few minutes the process was handled, and my application was submitted!

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Frequently asked questions

Final expense insurance is a whole life insurance policy designed to cover your final expenses, such as funeral costs, medical bills, and outstanding debts. It typically comes in smaller coverage amounts (usually between $2,500 and $50,000) and is easier to qualify for than traditional life insurance. It may be a good option if you want to ease the financial burden on your loved ones, don’t have much life insurance, are concerned about funeral costs, or prefer a policy without a medical exam.

  • Level Benefit: Full coverage from day one, requires good health.
  • Graded Benefit: Pays a percentage of the death benefit in the first few years, increasing over time.
  • Modified Benefit: Similar to graded but with a longer waiting period.
  • Guaranteed Acceptance: No health questions, with a waiting period before full benefits are paid.
  • Funeral Insurance: Purchased from a funeral home to cover funeral services.
  • Group Life Insurance: Offered through employers or organizations with possibly lower premiums.
The cost of final expense insurance depends on various factors such as your age, health, smoking status, and the amount of coverage you choose. Generally, healthier individuals will have lower premiums. However, for certain types of final expense insurance, like guaranteed acceptance policies, health and smoking status may not affect the cost at all. The premium is fixed and is primarily based on your age and the coverage amount you select.

Applying is simple. You can get a free quote online or by phone with an Insurancy agent. Most policies are “simplified issue,” meaning no medical exam is required.

Yes, different policy types cater to various health conditions. For instance, guaranteed acceptance policies do not require health questions.

Approval is typically quick, with applications being short and many insurers offering near-immediate approval.

Yes, premiums for final expense insurance policies are generally fixed and will not increase over time.

Beneficiaries can use the death benefit for any purpose, such as funeral expenses, medical bills, or other debts, providing financial flexibility during a difficult time.

  • Coverage Amount: Estimate your final expenses and any outstanding debts.
  • Policy Type: Choose based on your health situation and budget.
  • Premium Cost: Compare quotes from different insurers.
  • Financial Rating: Ensure the company you choose is financially stable.

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