Final Expense Insurance Quotes: Compare Plans, Costs & Top Providers
Written by Daniel Ray, Life Insurance Expert |
✅
Fact Checked by
Lisamarie Monaco |
Editorial Disclosure
Are you searching for the right final expense insurance quote but unsure where to begin or how much it should cost? You’re not alone. Final expense insurance is one of the most popular choices for seniors thanks to its affordable coverage, no medical exam, and guaranteed approval options.
This guide explains how to compare quotes, what impacts monthly premiums, and how to find the best final expense insurance policy for your needs and budget.
What Is Final Expense Insurance?
Final expense insurance, also known as burial insurance or funeral insurance, is a small whole life insurance policy designed to cover:
- Funeral and cremation expenses
- Outstanding medical bills
- Minor debts or family support
Key Features:
✅ No medical exam (most policies)
✅ Lifetime coverage
✅ Fixed premiums that never increase
✅ Guaranteed payout to your beneficiary
Final expense life insurance is especially appealing to seniors who want to leave loved ones financially protected without undergoing a health screening.
What Final Expense Insurance Covers
Final Expense Plan Benefits
What Is the Average Cost of Final Expense Insurance?
The cost depends on your age, gender, tobacco use, and the amount of coverage you choose. The most common face amount is $10,000 to $25,000, which typically covers funeral costs and small debts.
Average Monthly Premiums for a $5,000, $10,000, and $15,000 Policy (Non-Smoker)
Male
Female
🔸 Rates are higher for men, smokers, and older applicants
🔸 Prices are locked in for life
Interactive Final Expense Quote Calculator
How much does final expense insurance cost per month is one of the most frequently searched questions—and this chart gives you a reliable baseline. You can also have us shop you by clicking on “Get My Exact Rate“, and you will receive a fully shopped rate in your email.
What to Look for in a Final Expense Insurance Quote
When comparing final expense insurance quotes, make sure you evaluate more than just price. Look for:
✅ Guaranteed level premiums
✅ No medical exam or health questions
✅ Immediate coverage vs. 2-year graded benefit
✅ Top-rated companies with AM Best “A” ratings or higher
✅ Policy cash value and flexibility
Understanding the differences between guaranteed issue life insurance and simplified issue life insurance can help you pick the right plan.
Best Final Expense Insurance Companies in 2025
Top 4 Final Expense Insurance Carriers
| Company | Coverage Range | Issue Ages | AM Best Rating | Exam Required? |
|---|---|---|---|---|
| Mutual of Omaha | $2,000–$50,000 | 45–85 | A+ | ❌ No |
| Aetna (Accendo) | $2,000–$50,000 | 40–89 | A | ❌ No |
| SBLI | $2,500–$35,000 | 50–85 | A | ❌ No |
| Gerber (GIWL) | $5,000–$25,000 | 50–80 | A | ❌ No |
These carriers are among the best final expense insurance companies for their financial strength, reliable underwriting, and competitive pricing.
“Compare Final Expense Quotes from Top Providers Now”
*Ballpark Quote
How to Get the Cheapest Final Expense Quote
To get the cheapest final expense insurance, follow these steps:
- Compare quotes from at least 3 insurance providers
- Choose a level benefit plan if your health qualifies
- Ask about non-smoker discounts
- Use an independent licensed agent to shop all carriers on your behalf
Getting the lowest rate for final expense insurance often comes down to acting early and knowing your options.
Is Final Expense Insurance Worth It?
✅ Pros
- Affordable monthly payments
- No health exams
- Guaranteed coverage
- Provides peace of mind for your family
❌ Cons
- Higher cost per $1,000 than term life
- Limited death benefits
- Some plans have waiting periods for natural death
If you’re comparing final expense vs. term life insurance, remember that term policies usually require a medical exam and expire after a set number of years.
At What Age Should You Buy Final Expense Insurance?
The best time to buy is between ages 50–70, when your rates are lowest and you have the most carrier options. But you can still get approved for final expense insurance over 80 with certain companies, often through guaranteed issue policies.
Related Articles
FAQ Section
Typically $30–$75 per month for a $10,000 policy, depending on age, gender, and health.
Top picks include Mutual of Omaha, Aetna (Accendo), SBLI, and Gerber for their value and reliability.
Yes, especially for seniors who want affordable permanent coverage without a medical exam.
Limited coverage amounts, higher cost per $1,000, and possible waiting periods.
Whole life insurance is the most popular type, because it provides fixed rates and lifetime protection.
Conclusion
Getting the right final expense insurance quote can be simple when you know what to look for. Whether you’re comparing options or ready to enroll, choosing a top-rated final expense provider ensures your family won’t bear the financial burden of end-of-life costs.
Are you ready to protect your loved ones with guaranteed, affordable coverage?
Get Your Free Final Expense Insurance Quote Today!
*Ballpark Quote
