Simple, Affordable Coverage. No Exam Required.
Final expense insurance gives your family the money they need to handle end-of-life costs — so grief isn't made harder by financial worry. Coverage from $5,000 to $25,000.
The average funeral cost
$7,848
Most families aren't prepared for this
Final expense insurance is designed precisely for this moment — a small, affordable policy that handles the costs without burdening your family.
National Funeral Directors Association, 2025
Built for simplicity — and peace of mind
Final expense insurance is straightforward by design. No complicated riders, no large benefit amounts. Just honest, affordable coverage for the people who need it most.
Ages 50–85
Final expense insurance is designed specifically for this age range. No medical exam is required, and most people qualify regardless of current health conditions.
Fixed Income
Premiums are affordable — often $30–$80/month — and they never increase after you're issued a policy. Budget with confidence, month after month.
Families Wanting Certainty
Your beneficiary receives a tax-free lump sum, paid directly to them within days. No probate delays. No complicated claims process. Just the help they need, when they need it.
Three steps. That's really it.
We kept this simple on purpose. Getting covered shouldn't be stressful.
Apply in minutes
Answer a few simple questions online or over the phone. No lengthy forms, no medical records to gather. Most applications take less than 15 minutes.
No medical exam
There are no blood draws, no doctor visits, and no waiting on lab results. Simplified issue asks a few health questions. Guaranteed issue asks none.
Coverage starts immediately
With simplified issue policies, coverage begins the day your policy is issued. Your family is protected right away — no long waiting periods.
Two paths to coverage — everyone qualifies for one
The right type depends on your health. We'll help you figure out which fits your situation.
Simplified Issue
Best if you're in reasonable health
You'll answer a short set of health questions — no exam, no blood draw, no doctor visits. Most common conditions (diabetes, high blood pressure, mild COPD) can still be approved with the right carrier.
- Lower monthly premiums
- Coverage starts immediately — no waiting period
- Ages 50–80
- Up to $25,000 in coverage
Guaranteed Issue
No health questions — everyone is accepted
No health questions at all. If you've been declined elsewhere, or have serious health conditions, guaranteed issue ensures you can still protect your family. Acceptance is guaranteed for anyone in the eligible age range.
- No health questions — guaranteed acceptance
- Ages 50–85
- Up to $25,000 in coverage
- 2-year graded benefit period (standard)
| Feature | Simplified Issue | Guaranteed Issue |
|---|---|---|
| Health questions | A few simple questions | None — no questions asked |
| Medical exam | No | No |
| Age range | 50–80 | 50–85 |
| Monthly premium | Lower | Higher |
| Max coverage | Up to $25,000 | Up to $25,000 |
| Waiting period | None (immediate coverage) | 2 years (graded benefit) |
| Best for | Good to moderate health | Serious health conditions |
What the benefit pays for
The death benefit is paid directly to your named beneficiary as a tax-free lump sum. They can use it however they need — there are no restrictions on how the money is spent.
A 15-minute call is all it takes
We'll find the right carrier for your age and situation, walk you through the options in plain English, and help you pick a coverage amount that fits your budget. No pressure, no complicated process.
Policy features, premiums, and eligibility vary by carrier, age, health status, and state. A 2-year graded benefit period applies to guaranteed issue policies — if the insured passes away within the first two years from a non-accidental cause, premiums paid plus interest are returned rather than the full death benefit. Educational content only — not financial or medical advice. VeraLife Insurance Group is a licensed insurance broker and does not underwrite insurance policies. Coverage is not in force until a policy is issued and the first premium is paid.