Request a quote
Request your quote.
Send a short request and an independent licensed insurance agent, agency or insurance carrier may contact you. It takes about two minutes, and you decide what happens next.
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Quick facts before you request a quote
Skip the physical, often
A few health questions often stand in for the exam. It varies by company.
Level premiums on many plans
Many whole life final expense plans keep the premium level. Ask the agent how the plan you are offered works.
Details differ by policy
Amounts, waiting periods and premiums are not the same across policies. Ask about all three when an agent reaches out.
Cash value, sometimes
Some whole life policies build cash value. Not all final expense policies do.
Pick your amount
Coverage commonly runs from about $10,000 to $40,000 or more, depending on the policy and the company.
Open to many ages
Options exist across many ages. What you are eligible for depends on the company and your answers.
Short forms
Applications can be brief, and underwriting is often quicker than traditional life insurance. Timing varies by company.
Ask about the waiting period
Some policies cover natural causes right away. Others hold back the full benefit for a waiting period. Check before you sign.
Talk to an independent agent
Your request goes to independent licensed insurance agents, agencies and insurance carriers. Agents and agencies can compare options from the carriers they work with. We are not an insurer or an insurance agent.
Your situation
What brings you here?
Pick the one that sounds most like you.
Just starting out
Read the short guides, or send a request and ask an agent your questions. No pressure either way.
Already covered
An independent licensed agent can compare your policy with other options from the carriers they work with.
Need more coverage
Request a quote for a higher amount and go over it with an independent licensed agent.
Want to leave extra
Add a cushion beyond funeral costs for bills or family. An independent licensed agent can talk amounts through.
Whichever fits, a quote request is free.
In short
A small policy for final bills.
For costs Medicare skips
Funerals and burials can run to five figures, and Medicare and savings often do not cover them. This policy pays cash to the person you name.
Quick to apply
Simplified issue means a few health questions instead of an exam or bloodwork. Timing depends on the company.
Same payment, often
Many final expense policies are whole life with a level premium and a fixed benefit. Check the policy for your terms.
Who we are
About FinalExpense.Contact
FinalExpense.Contact is for people who would rather speak with someone than read pages of explanations. Send a short request, and independent licensed insurance agents, agencies and insurance carriers may contact you.
FinalExpense.Contact is not an insurer or an insurance agent and does not sell policies. The people who contact you provide the quotes, decide eligibility and set pricing. Requesting a quote is free.
FinalExpense.Contact2810 N Church St, Wilmington, DE 19902
Email: info@finalexpense.contact
Phone: (209) 309-8959See the quick guide to final expense insurance →
Browse by condition
Have a health condition? Check the typical outcome first.
A diagnosis rarely rules you out entirely, and knowing the typical outcome ahead of time makes comparing quotes faster. Tap any condition below, or read the full guide to how simplified-issue underwriting works.
Heart & Circulatory
Diabetes & Metabolic
Cancer
Neurological
Mental & Behavioral Health
Kidney, Organs & Immune
Autoimmune & Joint
Coverage varies by location
Compare coverage in your state
Carrier availability, pricing, and policy features can differ depending on where you live. We've built a dedicated guide for every state so you can see your local options fast, before you talk to anyone.
Quick overview
Request, hear back, decide.
- 1
Send a quick request
Give your age, general health and the coverage you want. It takes about two minutes.
- 2
Someone may reach out
An independent licensed insurance agent, agency or insurance carrier may contact you to walk through your options. They set eligibility and pricing.
- 3
You decide
Move forward if it makes sense, or do not. No purchase is required, and the quote request is free.
Side by side
Final expense or term life? The short version.
Both are life insurance. They do different jobs. Here is the quick difference.
| Feature | Final expense | Term |
|---|---|---|
| Length | Lifetime, while premiums are paid. | 10, 20 or 30 years, then done. |
| Price | Smaller benefit, smaller premium; many are level. | Often cheaper at first, but renewals can jump. |
| Exam | Usually just health questions. | Often a medical exam. |
| Cash value | Some build a little. | None. |
| Best for | Funeral and end-of-life costs. | Replacing income or a mortgage. |
Why use this site
Why people use FinalExpense.Contact
You came for answers, not a pitch. Send a short request, and an independent agent may reach out to go over the details.
No strings
A quote request does not obligate you. Decide after you have heard the options.
Two-minute form
The request form takes about two minutes. When someone reaches out depends on the agents, agencies and insurance carriers involved.
Independent agents
Your request goes to independent licensed insurance agents, agencies and insurance carriers. They give the quotes and the details.
Set a budget first
Pick a monthly number you are comfortable with before you talk. Prices depend on company, age and amount.
State-by-state pages
Every state and DC has its own page, since options and rules differ by location.
Ready to talk to someone?
Send a short request and an independent licensed insurance agent, agency or insurance carrier may reach out. Pricing depends on your age and health, and there is no obligation.
Quick answers
Quick answers before you request a quote.
What does it pay for?
A cash benefit goes to whoever you name. Funeral and burial costs are the usual use, but it can also cover medical bills or other expenses. There are no rules on how it is spent.
Do I need a medical exam?
Usually not with simplified-issue policies. Expect a few yes or no health questions instead. Guaranteed issue policies skip the questions but typically cost more and often have a waiting period.
I have a health condition. Can I still get covered?
It varies with the condition and the insurer. The quickest way to find out is to ask an independent licensed agent. It is free and there is no obligation.
How much coverage do I need?
Many people start with funeral and burial or cremation costs, often about $8,000 to $15,000, and add a cushion for bills. An independent licensed agent can talk amounts through with you.
How is it different from regular life insurance?
It is a smaller whole life policy aimed at end-of-life costs, usually with a simpler application. Regular life insurance is often bought to replace income.
Am I committed if I request a quote?
No. The request is free, talking to an agent is free, and you are not enrolled in anything. Cover starts only if you take an offer and the company issues the policy.
What if I miss a payment?
Most policies include a grace period before coverage lapses. Call your agent or the company as soon as you know a payment will be late. There are often ways to keep the policy active.
Can I name several beneficiaries?
Yes, usually. Pick the people and the share each one gets, and update the list when things change.
What sets my premium?
Mostly your age, the amount you choose and, on simplified-issue policies, your health answers. Smaller benefits generally mean lower premiums, and many policies use a level premium.
Can I change coverage later?
Often. You can usually update beneficiaries any time, and a higher amount may be possible with new underwriting. Ask your agent what your company allows.
Ready? Send a short request.
Two minutes is all the form takes. Many final expense policies skip the medical exam.
Free, with no obligation to buy
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