Independent & reader-supported · Trusted guidance for American seniors · 
Starting Price
$9.95/month
Coverage
Burial and funeral costs
Medical Exam
None
Age Range
50 to 80+
Why we picked it
This is our own final expense program and the strongest starting point for most families. Coverage starts at $9.95 per month and is built to take funeral costs off your family's plate. There is no medical exam and there are no health questions, rates never increase once you lock them in, and coverage starts on day one. The 60 second quiz asks your age group, then a licensed life agent confirms how much coverage you qualify for on a free, no obligation call. It works for ages 50 to 80 and beyond.
Pros and cons
Pros
- Coverage from $9.95 per month
- No medical exam and no health questions
- Rates never increase after you lock them in
- Coverage starts on day one
- Free call with a licensed life agent
Cons
- Coverage amounts are smaller than regular life insurance
- Your final price depends on age and coverage level