The service itself
Funeral director fees, chapel or graveside service, a casket or urn, the cemetery plot or the cremation, transport and the headstone.
Final expense whole life coverage
The bill arrives before the grief does. Cover it now.
A funeral in the United States now runs between eight and twelve thousand dollars, and it is due within days. Final expense coverage is a small whole life policy that puts a tax free cash payment in your family's hands so the arrangements are never a fundraising problem.
- Some plans do not require a physical medical exam
- Level premium plans keep the premium and benefit fixed in the contract
- Speak with a licensed insurance representative by phone
Get your free quote by phone
Speak with a licensed insurance representative about your options. There is no obligation to buy.
Licensed agents available Mon to Fri, 9am to 7pm
Where the money goes
One small policy, built for the week after.
The benefit is paid in cash directly to the person you name, and it carries no restrictions. Most families put it toward these four things.
The bills still open
Hospital, hospice and physician balances that insurance did not pick up, plus any co-pays that arrive weeks later.
Debts and paperwork
Credit cards, a car note, probate or executor fees, and the legal work involved in settling an estate.
Room to breathe
Flights for relatives, a few months of household bills, or simply a gift left behind for someone who needs it.
Because it is whole life, the policy does not expire on a set date and the benefit does not shrink as you age.
Our promise, in one line
If final expense coverage is not right for you, the representative should tell you so rather than sell you a policy you do not need.
Who you are dealing with
Licensed representatives. No pressure to buy.
This website connects callers with licensed insurance representatives who may review coverage options from 2-3 participating carriers. We are an insurance marketing and referral website, not an insurance company, and we cannot guarantee a particular price or that coverage will be available.
Different representatives may assist with quoting, applications, servicing and claims-related questions. Nothing is binding until you sign an application, and you can end the call at any point.
- Whole life protection that does not expire on a set date
- Level premium plans fix the premium in the contract
- Health-related questions are required to assess which options may be available. Some plans may not require a physical medical exam.
- Beneficiaries can generally be updated later
- Quotes are free and carry no obligation to buy
- Information may be shared with licensed agents and authorized partners as described in our Privacy Policy.
Why families stay with us
Six things people tell us actually mattered.
Level premiums
On level premium whole life plans, the premium is set in the contract and does not rise with age, as long as the policy stays in force.
Health history matters
Health history can affect eligibility. Some conditions may disqualify applicants from available products, including certain guaranteed issue options.
Claims are paid by the carrier
Claim timing is set by the carrier and depends on it receiving a complete claim packet, including a certified death certificate.
Premiums vary
Premiums vary by carrier, plan, age, state and eligibility.
Support at every stage
Different teams may assist with sales, applications, retention, servicing and claims.
Written for people, not adjusters
Plain English, and a representative who will happily go over the same point twice. No jargon, no pressure to sign today.
How it works
Three steps, and you can stop at any of them.
Nothing is binding until you sign an application, and no application is submitted without you on the call.
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1
Call an agent
Use the phone button to connect with a licensed insurance representative during supported hours.
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2
Review options
Answer required health/eligibility questions and discuss available products and pricing.
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3
Decide next steps
If an appropriate plan is available, ask the representative about applying and coverage terms.
Before you call
The questions we get every single week.
Have questions? A licensed representative can explain the available options, eligibility requirements and next steps during your call.
+1 (833) 674 2384Final expense options may be available to eligible adults up to age 80. Minimum ages, coverage options and eligibility rules vary by carrier, plan and state.
Some final expense plans do not require a physical medical examination. However, health-related questions are required to help determine available coverage options. Requirements and eligibility vary by carrier and product.
Not on a level premium whole life policy. The premium and the death benefit are both fixed in the contract for as long as premiums are paid as scheduled. Ask the representative to point out that clause before you sign.
It applies to guaranteed issue plans. During the first two years, a death from natural causes usually returns the premiums paid plus interest rather than the full benefit. Accidental death is generally covered in full from day one. Terms vary by carrier and product.
Medical conditions can affect whether a person qualifies for a particular final expense plan. Some conditions may result in disqualification, including from certain guaranteed issue products. A licensed representative can discuss options, if any, that may be available.
Claim timing is set by the carrier and depends on it receiving a complete claim packet, including a certified death certificate. The benefit is paid to the beneficiaries named on the policy.
Generally, yes. Many policies let you split the benefit across several people by percentage and update it later. Ask the representative how this works on the plan you are considering.
Policies usually include a free look period, typically between 10 and 30 days depending on your state. Cancel inside it and your premium is generally refunded. After that you can cancel, though the coverage ends with it.
This is an inbound phone service: you call when it suits you. A callback is only arranged if you specifically ask for one.
No. Calling is free and there is no obligation to apply. You decide after speaking with the representative, and you can end the call whenever you like.
A small decision now. A very large relief later.
Call to discuss your needs and available coverage options with a licensed representative. The time required depends on your questions and circumstances.
Contact
Reach a licensed representative by phone.
Call during the hours below to speak with a licensed insurance representative. If you would like a callback, ask for one during your call.
- Phone +1 (833) 674 2384
- Email info@yourcoveragebenefits.com
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Mailing address
30 N Gould St #38385 Sheridan, WY 82801
+1 (833) 674 2384 - Hours Licensed agents available Mon to Fri, 9am to 7pm
Get your free quote by phone
Speak with a licensed insurance representative about your options. There is no obligation to buy.
Licensed agents available Mon to Fri, 9am to 7pm