It's built for people in their 50s, 60s, 70s and older, and it's simpler to apply for than most life insurance.
How final expense works
- Coverage lasts for life, as long as the premiums are paid.
- Your premium doesn't go up as you get older.
- Many policies ask a few health questions instead of a medical exam.
- The money goes straight to the person you name, and they can use it for anything: the funeral, medical bills or other debts.
If your health isn't perfect
Many policies are approved on health questions alone. If you have serious health conditions, some policies don't ask health questions at all, but they usually pay the full benefit only after a waiting period, often two years. We'll explain the waiting period on any policy before you sign.
Why sit down with a local agent
We compare several insurance companies, read the fine print on waiting periods with you, and your family can call us when it's time to file a claim.
On Medicare? Medicare doesn't pay for funerals or burial. Many of our Medicare clients add a final expense policy. Ask about it at your plan review.
Questions we hear
How much coverage do I need?
Enough to cover what your family would be left with: the funeral, burial or cremation, and any final medical bills or debts. We'll help you total it using what those things cost locally.
Is final expense the same as life insurance?
Yes. It's a type of whole life insurance, with a smaller amount and a simpler application.
Does Medicare pay for a funeral?
No. Medicare doesn't pay funeral or burial costs, which is why many people on Medicare add a final expense policy.
Does working with an agent cost more?
No. The insurance company pays us a commission, and your premium is the same as buying the policy directly.
Call us at (812) 527-2100 or request a call back, and one of our agents will get back to you.