Final Expense Insurance
Coverage for the funeral and the bills that come after it.
Small whole-life policies, usually $5,000 to $25,000, that pay for the funeral, leftover medical bills, and anything else you would rather not leave behind. Justin sets it up with you.
No medical exam on simplified-issue and guaranteed-issue plans: a few health questions, or none.
We compare the carriers we can offer. Each one prices the same coverage differently.
Our help is free. The carrier pays us, not you.
Your premium depends on your age, health, state, tobacco use and coverage amount. Rates are online below; no contact details needed.
The basics
What is final expense insurance?
Final expense is a small whole-life insurance policy built for one purpose: making sure your family isn't stuck paying for your funeral, burial, or leftover medical bills out of pocket. Coverage typically runs from $5,000 to $25,000. The premium stays the same for life, and the policy doesn't expire as long as you keep paying.
Some carriers call it “burial insurance,” some call it “senior life insurance,” some call it “final expense.” It's all the same kind of small whole-life policy aimed at covering end-of-life costs without putting your spouse, kids, or grandkids in a tough spot.
A health condition does not end the conversation. Simplified-issue policies ask a handful of yes/no health questions and skip the exam. Guaranteed-issue policies ask no health questions and accept applicants regardless of health within the plan's age range; they cost more and pay a reduced benefit if death occurs in the first two years. Which one applies depends on your answers, and that is settled on the call.
What it usually looks like
- Typical coverage
- $5,000-$25,000
- Your premium
- Fixed
Enough to cover a funeral, burial, and leftover bills without leaning on your family.
Set when the policy is issued and unchanged for life as long as you keep paying. What it is depends on your age, health, state, tobacco use, and coverage amount.
Your number
See your rate before you talk to anyone.
Rates from carriers that write this coverage, at the health answers you give. The carrier's underwriting sets the final number. No email, no phone number, no one calling you afterward unless you ask.
The process
How it works
A short call
Your age, your health in broad strokes, and what you want the money to cover. No forms before we talk.
Justin compares the carriers
Each one prices the same coverage differently and asks different health questions. He runs your answers against the carriers we can offer and shows you which are likely to accept you, and at what premium.
You choose
You see the premium, the coverage amount, and whether the benefit is full from day one or graded for the first two years. You do not have to decide on the call.
Start with a rate, or start with a call.
Our help is free; the carriers pay us, not you. Rates are online above, and Justin is one call away.
Justin Bautista, Licensed Insurance Producer · NJ License #3001996877 · JB Financial Services Agency
NPN: 20367089
This page is for informational purposes and does not constitute an offer of insurance. Policies are issued by the insurance carriers; final terms, coverage, and eligibility are determined by the carrier's underwriting.