Frequently Asked Questions

Is this a government program?

No. This is private life insurance offered through licensed insurance companies. It is not a government program. Coverage availability and premiums vary by carrier and state.

Do I need a medical exam?

Usually no. Most final expense policies are simplified issue and only require a short health questionnaire. There is no invasive medical exam for the majority of applicants.

How fast are quotes?

Most people receive their quote in minutes over the phone. After answering a few eligibility questions, our agents compare available plans and provide you with options right away.

What coverage amounts are available?

Final expense policies typically offer coverage amounts from $5,000 up to around $40,000【214855343599309†L133-L166】. The amount you qualify for depends on your age, health, state, and carrier guidelines.

What information do I need when I call?

Have your date of birth, state of residence, basic health details, active checking or savings account information, and an idea of your desired coverage amount ready. Being prepared helps us find the best option for you quickly.

Who is eligible to apply?

Applicants must be between 50 and 75, be the decision maker, speak English, have a steady source of income, and maintain an active checking or savings account. See the Eligibility page for more details.

When might I not qualify?

Individuals who are currently using supplemental oxygen or a nebulizer, have dementia or Alzheimer’s, are living with HIV/AIDS, or need assistance with daily living tasks may not qualify. Approval varies by carrier.

Still have questions? Call and speak with a licensed agent for personalised assistance.