Final Expense & Senior Life Insurance
Simple Coverage to Help Protect Your Family
Final expense insurance can help your loved ones with funeral costs, bills, debts, and other expenses after you pass away.
Options may be available for adults ages 40–89, depending on the insurance company and your eligibility.
What Is Final Expense Insurance?
Final expense is a type of life insurance, commonly whole life, designed to provide a smaller amount of permanent coverage.
Many policies offer:
✓ No traditional medical exam
✓ Level premiums
✓ Lifetime coverage*
✓ Coverage options for older adults
What Can It Help Pay For?
Your family may use the death benefit to help with:
⚱️ Funeral or cremation
🪦 Burial expenses
💳 Bills and debts
🏠 Household expenses
❤️ Other family needs
It's not just about paying for a funeral. It's about leaving your family financial help when they need it.
Think You Can't Qualify?
You May Still Have Options.
If you couldn't qualify for traditional Term, Whole Life, UL, or IUL, you may still qualify for Final Expense coverage. Final Expense insurance can have different underwriting requirements.
Don't assume you can't qualify. Let us check your options.
How can I apply for final expense insurance through PlanRight?
Start with a free consultation or quote request. We'll review your age, state, coverage needs, and basic eligibility information to help identify available options from the insurance companies we work with.
How Much Coverage Is Available?
Some carriers we work with may offer approximately: $2,000 – $50,000 The amount available depends on your: Age • Health • State • Insurance Company
Do You Need a Medical Exam?
Often, no. Many Final Expense policies don't require a traditional medical exam.
You may need to answer some health questions, and the insurance company may review your medical or prescription history.
Does Coverage Start Right Away?
It depends on what you qualify for. Some people may qualify for full benefits from the beginning. Others may qualify for coverage with a graded or modified benefit during an initial period. We'll explain what your policy covers before you make a decision.
Already Have Life Insurance?
You May Not Need to Replace It. We can review your current policy first. If you already have good coverage but need more, adding coverage may be an option instead of replacing what you have.
Life Insurance for Seniors
It's Not Too Late to Ask About Your Options.
Whether you're in your 50s, 60s, 70s, or 80s, there may still be life insurance options available. Your age and health determine what you may qualify for. Let us help you find out.
GET A FREE QUOTE
Final Expense Insurance FAQs
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Final expense insurance is a type of life insurance, commonly whole life, designed to provide a smaller death benefit that can help your family with funeral costs, bills, debts, and other financial needs.
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Yes. Final expense insurance is life insurance. It is commonly a smaller whole life policy designed to provide permanent coverage.
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No. Some final expense products may be available starting around age 40. Eligibility varies by insurance company and product.
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Senior life insurance generally refers to life insurance options designed for older adults. Final expense insurance is one option commonly used by seniors who want smaller amounts of permanent coverage.
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It depends on the insurance company. Some carriers we work with may offer options from approximately age 40 through age 89.
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Coverage amounts vary. Some carriers we work with may offer approximately $2,000 to $50,000 in coverage, depending on age, health, state, product, and insurance company.
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Your beneficiary may generally use the death benefit for needs such as funeral or cremation costs, burial expenses, debts, bills, household expenses, or other family needs.
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No. Although it's often purchased to prepare for funeral and burial expenses, the beneficiary of an individual life insurance policy generally has flexibility in how the proceeds are used, subject to the policy and applicable arrangements.
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Costs vary considerably based on location, services selected, burial versus cremation, cemetery costs, and other choices. Your desired arrangements are one factor to consider when choosing coverage.
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Consider your funeral or cremation wishes, burial costs, debts, remaining bills, existing life insurance, savings, and any additional money you'd like to leave your family.
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Many final expense policies do not require a traditional medical exam. You may still need to answer health questions and authorize the insurance company to review certain health or prescription information.
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Possibly. Many final expense products use simplified underwriting without a traditional medical exam. Requirements vary by insurance company and product.
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Possibly. Different insurance companies have different underwriting guidelines. Your health history, medications, age, and other factors determine which options may be available.
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Simply owning life insurance generally doesn't determine eligibility for Social Security retirement benefits or Medicare. Needs-based programs have different rules.
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Yes. We can help you understand available options and compare features based on your individual needs and eligibility.