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Affordable Coverage for Seniors

What is Final Expense Insurance?

If you're between the ages of 0 and 85, you can qualify for this coverage.

It's designed specifically for older adults and those who may not be in the best of health.

This is immediate coverage (no waiting period).

This is Whole Life insurance.

  • It builds cash value.
  • The premiums never go up.
  • The coverage never goes down.
  • It can't be cancelled unless you stop paying.

Is there a downside to Final Expense Insurance?

To be clear, these aren't million dollar policies. These policies are designed specifically for people who came late in the game to insurance.

People who get these policies either want to spare loved ones the burden of paying for their funeral, or they are being treated for a major health condition and can't qualify anywhere else.

Regardless of the reason, there's NO exam. NO blood drawn. NO urine collection. (Some carriers don't even ask your height and weight).

What if I have really poor health?

If you live in one of these States: Arkansas, Missouri, North Carolina, Pennsylvania, Tennessee, Texas, or West Virginia, here are some example conditions that qualify for immediate coverage (up to $30,000):

  • Aneurysm
  • Cardiomyopathy (being treated by a physician/medication)
  • Congestive Heart Failure
  • COPD (being treated by a physician/medication)
  • Past Cancer (no time requirement)
  • Diabetes using insulin (any age, any amounts)
  • Diabetic Coma
  • Dialysis (being treated by a physician/medication)
  • Heart Attack
  • Heart Disease (being treated by a physician/medication)
  • Hepatitis
  • Kidney Failure (being treated by a physician/medication)
  • Multiple Sclerosis
  • Organ transplant (over 5 years ago)
  • Pacemaker
  • Parkinson's
  • Wheelchair confinement

How much does it cost?

You probably already know that the longer you wait to get coverage, the more expensive it gets. Likewise, if you are very healthy, your cost is likely to be less. 

*Example A  46 year old male living in Pennsylvania, with any of the conditions above would pay $56 a month for $20,000 of permanent Whole Life insurance. 

*Example B  66 year old female living in Pennsylvania with any of the conditions above would pay $197 a month for $20,000 of permanent Whole Life insurance.


  • Ages 0 to 85 years old.
  • Immediate coverage (even with the conditions listed above).
  • No nurse will visit.
  • No exam.
  • No blood or urine is collected.
  • You can be approved over the phone.

*The example quotes are not an offer of insurance. They were retrieved from quoting applications made available to licensed agents by insurance carriers and are good faith estimates of the actual cost.