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Straightforward final expense coverage

Plan ahead.
Protect the people you love.

Choose affordable final expense protection for the people you love. Some guaranteed-issue policies require no medical questions or exams and offer premiums designed to remain level while coverage stays in force. An agent will explain available policy terms.

California final expense insurance guide →

✓ Explore level-premium options✓ Learn about no-exam options✓ Ages 45–80

Important: some guaranteed-issue policies limit benefits for nonaccidental death during an initial waiting period. An agent will explain the terms of any policy offered.

Explore estimated insurance costs

Choose your coverage in seconds. No medical exam or health questions.
Explore level-premium coverage
Some whole life policies offer level premiums while coverage remains in force; confirm actual terms with an agent.
This estimator illustrates ages 45–80. Actual insurer eligibility may differ.
The owner manages the policy and may make changes.
Estimated monthly starting price / comparison range
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Estimated 12-month total
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One price comes from the exact agency-supplied California schedule. A second endpoint appears only when a separately published competitor sample matches the selected age, gender, and coverage; prices are ordered low to high. Not a binding quote or a set of offers available through this website. Some sample prices assume automatic bank draft; some products charge policy fees, including annual fees. A licensed agent will contact you only if you request a call and will verify actual pricing and policy terms. The 12-month total is monthly estimates multiplied by 12, not an annual-payment premium. How estimates are calculated.
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Coverage options shown are $10,000–$15,000. Rates and availability require agent verification.

How it works

  1. Calculate an estimate for the insured person.
  2. Enter contact details and beneficiary requests.
  3. Review your information and request a licensed agent’s call. Coverage is not activated online.

Lasting protection. Simple decisions.

Guaranteed Issue Final Expense insurance can help loved ones manage funeral, burial, cremation and other final expenses.

Premiums that stay the same

Many whole life policies offer level premiums, subject to the terms of the policy issued.

No health questions or exams

Some guaranteed-issue products require no medical exam or health questionnaire. Issue ages and eligibility vary by insurer.

Help with final expenses

Explore illustrative coverage amounts of $10,000–$15,000. Actual available amounts and beneficiary rules depend on the policy.

Frequently asked questions

What does guaranteed issue mean?

Guaranteed Issue Final Expense insurance requires no medical exam or health questions. Eligible applicants for a genuine guaranteed-issue product are generally not medically underwritten, but age, residence, coverage and other requirements depend on the insurer.

Does coverage pay the full death benefit immediately?

Guaranteed-issue policies may limit benefits for nonaccidental death during an initial period, often two years. Treatment of accidental death, premium refunds, interest and exclusions differs by policy. A licensed agent will explain the specific terms before any application.

Will my quoted premium change?

Some guaranteed-issue whole life policies have level premiums. An agent will verify the premium and any applicable conditions for a specific policy.

Do I have to provide my phone number to see a quote?

No. You can use the quote calculator without providing contact information. Contact details are requested as you continue through the coverage request.

Find coverage information for your situation

Previously declined or concerned about medical questions? Learn how guaranteed issue coverage works before requesting contact from an agent.

Guaranteed Acceptance Whole Life Insurance

Understand guaranteed acceptance whole life insurance, premiums, eligibility and benefit limitations.

California Guaranteed Issue Life Insurance

California guaranteed issue final expense life insurance: eligibility, estimated costs and coverage limitations.

Guaranteed Issue Life Insurance Cost and Premiums

Learn what affects guaranteed issue final expense premiums and explore estimated monthly and annual costs.

Guaranteed Issue Life Insurance Waiting Period Explained

Understand the first two years of guaranteed issue life insurance and how death benefits may differ.

Life Insurance After Being Denied: Guaranteed Issue Options

Previously denied life insurance? Learn how guaranteed issue final expense coverage may help eligible applicants.

Life Insurance With Health Conditions: No Health Questions

Explore guaranteed issue final expense life insurance without medical exams or health questions, subject to eligibility.

Life Insurance With No Health Questions: Guaranteed Issue

Learn about guaranteed issue life insurance without health questions or a medical exam for eligible applicants.

Guaranteed Issue vs. Simplified Issue Life Insurance

Compare guaranteed issue and simplified issue life insurance: medical questions, eligibility and benefits.

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