Make sure your family never inherits a funeral bill.
Whole Life insurance is the original permanent life insurance product. You pay a premium that never changes, you get a death benefit that never expires, and your policy builds guaranteed cash value over time.
Final Expense is a smaller whole life policy specifically designed to cover burial and end-of-life costs — typically $5,000 to $50,000. It’s simpler to qualify for, often with no medical exam required.
The average funeral costs between $8,000 and $15,000. Without coverage, that bill falls on your family during the worst week of their lives. A whole life or final expense policy makes sure they don’t inherit a financial crisis along with their grief.
What about the VA burial benefit? The VA pays up to $796 for service-connected death and $300 for non-service-connected. The average funeral is $8,000–$15,000. The gap falls on your family. That’s the problem this product solves.
Can I qualify with health issues? Yes — many carriers offer simplified or guaranteed-issue policies. The premium will be different, but coverage is usually available. Diabetes, heart conditions, COPD, even certain cancers can be insurable depending on the carrier.
What if I’m a smoker? Smoker rates are higher, but coverage is still available. If you quit, we can re-rate your policy after 12 months smoke-free.