The Funeral Is Paid Before The Grief Is.
Final expense life insurance is a small whole life policy — $2,000 to $50,000 at the carriers we list, premiums that never rise — that pays cash to the person you name once the claim is approved. We explain it in your language, check the door that costs less first, and never hide the waiting period.
Licensed agents · No obligation · The carrier pays us; you pay nothing extra
Illustrative photo — not a customerSources: NFDA 2023 General Price List Study; NFDA 2025 Cremation & Burial Report; SSA Handbook §428.
A 30-second explainer with music. Illustrative stock photography; no real customers or staff.
What Actually Happens In The First Thirty Days
A funeral comes due in days. Savings in a bank or an estate can take months. The gap in between is what this policy is for — scroll and watch the week fill in.
Illustrative photoWhy Cash, Not A Funeral-Home Contract
Final expense pays cash to your beneficiary. They can use any funeral home, or none, and whatever is left covers the last bills. Pre-need contracts tie the money to one funeral home; the FTC Funeral Rule still gives you an itemized price list either way.
A Few Health Questions, Or None At All
Door One: Final Expense With A Few Questions
No exam. A short list of yes/no health questions. If approved, the full amount is payable from day one. Many people over 50 with managed conditions qualify — and pay less. NerdWallet's 2026 example for a 60-year-old woman buying $20,000: $744 a year.
Door Two: Guaranteed Acceptance
Acceptance guaranteed inside the age band, whatever your health. The trade: a two-year graded benefit (three at Fidelity Life) during which natural death returns premiums plus interest instead of the face amount. Accidents pay in full from day one. Same example: $1,008 a year.
Accident: full amount
Graded rules from Mutual of Omaha, Gerber Life, Corebridge Direct, Fidelity Life. Price example: NerdWallet, Sept 2026. We always check the first door before offering the second.
Which Door First? Three Taps
Not a quote and not underwriting — just the order a licensed agent would try, from the carriers' published rules.
Rules from carrier materials, Oct 2026: guaranteed acceptance bands 45–85 (50–85 at several carriers), amounts typically to $25,000; final expense with health questions typically 50–85 and to $50,000. The carrier's application decides.
What $10,000 Of Guaranteed Acceptance Costs Per Month
Monthly Premium For $10,000, By Age
| Age | Mutual of Omaha Man | Mutual of Omaha Woman | Gerber Life Man | Gerber Life Woman |
|---|---|---|---|---|
| 50 | $40.20 | $30.40 | $44.09 | $34.47 |
| 60 | $56.90 | $42.70 | $63.89 | $51.06 |
| 70 | $86.70 | $63.90 | $99.18 | $75.53 |
| 80 | $157.10 | $126.90 | $247.32 | $176.37 |
Sources: Mutual of Omaha rate chart (CA) and Gerber Life consumer brochure (bank-draft rates). Final expense with health questions usually costs less. Your state's chart may differ. Graded benefit at both carriers: a natural-cause death in the first two years pays the premiums back plus 10% (110% of premiums paid); accidental death pays the full amount from day one.
Rate Finder — $10,000 Guaranteed Issue
Tap your age and sex — published $10,000 monthly rates at two carriers. Not a quote: your state's chart and your exact age set the final premium.
Mutual of Omaha California rate chart; Gerber Life consumer brochure (bank-draft rates). Ages between the chart rows are priced by the carrier.
Why Buying Earlier Costs Less Every Month For Life
Mutual of Omaha, $10,000, women, monthly. The premium you lock at 65 is the premium at 85.
Illustrative photoBuying A Policy For Mom Or Dad
Many of the people who call us are adult children arranging it for a parent — often in a second language. You can own and pay for the policy, with your parent's knowledge and signature, and name yourself beneficiary so the money lands with the person who will be paying the funeral home. We walk you both through it, in whichever language each of you prefers.
- Insurable interest: a parent–child relationship satisfies it
- Your parent answers any health questions; you handle the paperwork
- Premiums are level for life; the policy never expires while paid
- Agents in English, Spanish and Portuguese on the same call
Choose How You Want To Do This
Talk To A Person
A licensed agent, ten minutes, in English, Spanish or Portuguese. We check the door with a few questions before offering the door with none. Business hours, Eastern time.
Call 561-339-0727Ask For Options By Text Or Email
Tell us the age, state and amount you have in mind. An agent sends the options — including the price difference between answering a few health questions and answering none.
Ask For OptionsApply On My Own, Online
Open our carrier tool, answer a few screens, get a decision. The waiting period, if any, is shown before you sign.
You are leaving this site for the carrier's secure tool (in English). Rates shown there are estimates until the carrier confirms them. Agent of record: Phamella Bauer (NPN 22053821), NovaVida Group.
Mutual of Omaha, Gerber Life, Corebridge and the other carriers we represent are quoted by an agent — call 561-339-0727.
Carriers available through our brokerage for final expense and guaranteed acceptance
Mutual of OmahaGet my quote →
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Corebridge FinancialGet my quote →
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CICA LifeGet my quote →
Carrier names and logos identify the companies whose products are available to quote through our brokerage relationships; they do not imply endorsement of this site by any carrier. Availability varies by state.
Get My Quote
A licensed agent checks both doors — with health questions and without — and sends you the honest difference in price, in your language. No obligation.
What Happens Next
- We call or text at the time you choose
- You hear both prices, with the waiting period (if any) said out loud
- You decide — or do nothing
Questions People Ask
What is final expense insurance, in one sentence?
A small whole life policy — usually $2,000 to $50,000 at the carriers we list — that pays cash to the person you name once the claim is approved, so a funeral and the last bills are covered before the grief is.
Do I have to answer health questions?
That is the choice. One door asks a few yes/no questions (no exam) and usually costs less, with the full benefit from day one if approved. The other door asks nothing, accepts you by age, and pays a graded benefit for natural death in the first two to three years. We check the first door before offering the second.
How much does a funeral cost?
The NFDA's most recent published study (2023) put the median at $8,300 with viewing and burial and $6,280 with viewing and cremation, funeral-home goods and services only. Cemetery, marker, flowers and obituaries are typically separate.
Does Social Security pay for a funeral?
It pays a one-time $255 lump-sum death payment to an eligible surviving spouse or child. Nothing more.
Can I buy a policy for my mother or father?
Yes, with their knowledge and signature. You can own and pay for the policy and name yourself beneficiary; the carrier requires insurable interest, which a parent–child relationship satisfies. The parent answers any health questions.
Can I apply if I do not have a Social Security number?
Carrier rules differ and change; several require an SSN or ITIN. Tell the agent your situation up front and they will say which carriers can consider the application. We never ask for an SSN on this website.