No medical exam
No labs, no needles, no doctor visit. Approval is based on a short set of health questions you answer over the phone.
Licensed agents · Ages 45–85 · All 50 states
Leave your family a memory, not a bill.
Final expense coverage from $5,000 to $50,000. No medical exam, no doctor visit — just a few health questions and a rate that never goes up.
2 min
to request your quote
$0
cost to compare plans
Locked
premium for life
Get your free quote
Takes about two minutes. No obligation to buy.
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A funeral costs more than most families expect
The average funeral with burial runs well into five figures once you add the casket, plot, headstone and service. Final expense insurance pays your family cash — quickly — so they can grieve instead of fundraise.
A rate that stays put
Whole life premiums are locked at issue. The price you start with is the price you keep, no matter how old you get or how your health changes.
Money goes to your family
The benefit is paid directly to the beneficiary you name. They decide how to use it — funeral, cremation, unpaid bills, anything.
Health issues are welcome
Diabetes, high blood pressure, heart history — many carriers still offer coverage, and guaranteed issue plans accept applicants regardless of health.
Coverage that lasts
Unlike term insurance, a whole life final expense policy does not expire at 70 or 80. It stays in force as long as premiums are paid.
Independent, not captive
We compare plans from multiple A-rated carriers instead of pushing one company’s product, then show you the lowest rate you qualify for.
Three steps, one short phone call
No paperwork to print, no appointment to keep, no salesperson at your kitchen table.
Tell us the basics
Name, contact details and your state — that is all we need to pull rates from the carriers licensed where you live.
Answer a few health questions
A licensed agent calls, asks a short list of yes-or-no questions, and matches you to the carriers most likely to approve you at the best price.
Choose and sign
Pick the coverage amount that fits your budget and sign electronically. Many applicants are approved the same day.
What final expense coverage typically pays for
Families most often use the benefit for the costs that arrive in the first two weeks.
| Coverage level | Commonly covers | Best suited for |
|---|---|---|
| $5,000 – $10,000 | Cremation, memorial service, small outstanding bills | Applicants who want the lowest possible premium |
| $10,000 – $20,000 | Traditional funeral, casket, plot and headstone | The most common range for burial coverage |
| $20,000 – $35,000 | Full service plus medical bills and legal costs | Families with debts to settle |
| $35,000 – $50,000 | All of the above plus money left behind for a spouse | Applicants who also want a small legacy benefit |
Coverage amounts, availability and pricing vary by carrier, state, age and health answers. The table above is general information, not a quote or an offer of insurance.
Questions people ask before they call
What is final expense insurance?
It is a small whole life policy, usually between $5,000 and $50,000, built to cover funeral costs, burial or cremation, medical bills and other end-of-life expenses. The benefit is paid in cash to the beneficiary you name, and they can spend it on whatever they need.
Do I need a medical exam?
No. There is no exam, no blood work and no doctor visit. A licensed agent asks a short set of health questions by phone, and the carrier decides from your answers and prescription history.
How much will it cost me per month?
Your premium depends on your age, state, gender, tobacco use, health answers and the coverage amount you choose. Because every carrier prices differently, comparing is the only way to find your actual rate. Once a policy is issued, the premium is locked for life.
Can I be declined?
It depends on the carrier and your health answers. Many people who are declined for standard life insurance still qualify for a graded or guaranteed issue final expense plan, which pays a limited benefit during the first two policy years and the full benefit after that.
Is there a waiting period?
Immediate-benefit plans pay the full amount from day one. Graded and guaranteed issue plans generally return your premiums plus interest if death occurs in the first two years, then pay the full benefit. Your agent will tell you exactly which type you qualify for before you sign anything.
What happens after I submit this form?
Your information goes to LifeCureMed and a licensed insurance agent contacts you by phone, text or email using the consent you gave on the form. There is no cost and no obligation, and you can end the call at any time.
How do I stop being contacted?
Reply STOP to any text message, click unsubscribe in any email, tell the agent on the phone to add you to our internal Do Not Call list, or email support@lifecuremed.com. We honor every request promptly and keep your number on our internal Do Not Call list.
Rates go up with every birthday.
Locking in coverage today costs less than it will next year. Comparing is free and takes two minutes.
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