⭐⭐⭐⭐⭐ Evelyn Carter
We wanted something affordable that wouldn’t expire at 80. Isaac found a plan that fits our budget with day-one coverage. Huge relief.
Isaac Orraiz – Insurance Agent
Final Expense (Burial Insurance)
Simple, Guaranteed Coverage for Life’s Final Costs
Final expense insurance (whole life) is designed to help loved ones pay for funeral, burial/cremation, medical bills, and small debts. Level premiums, fixed benefits, and fast, paper-light applications.
About Isaac
Your trusted guide for simple, permanent protection
I help you compare final expense carriers, build a realistic benefit amount, and apply online—often with instant decisions.
Isaac Orraiz
Licensed Insurance Agent
NPN: 21592068
What Is Final Expense Insurance?
A small whole-life policy (typically $5,000–$40,000) that never expires as long as premiums are paid. Benefits can be used for funeral costs, cremation/burial, medical bills, or any need.
Many adults already qualify
Options exist for a wide range of health histories:
- Issue ages commonly 45–85 (varies by carrier)
- Immediate or graded benefits depending on health
- No medical exam—simple health questions
- Fixed premiums and lifetime coverage
Approved benefit amounts and waiting periods vary by carrier and health history.
Three simple steps to get covered
Most applications take about 10 minutes.
- 1Answer a few health questions to determine level vs. graded benefits
- 2Choose a benefit amount that fits your budget
What you’ll need
- Basic personal information and beneficiary
- Health history (yes/no questions)
- Preferred payment method (bank or card)
- A few minutes of your time
Many decisions are instant.
FAQs
Common questions about Final Expense
Final expense is usually whole life—premiums and coverage are designed to remain level for life.
Want a quick quote matched to your health and budget? Book a free 15-minute call.