No Medical Exam Required

Protect Your Family from Final Expense Costs

Compare top-rated final expense life insurance plans in minutes. Coverage from $5,000 to $35,000 — guaranteed acceptance for ages 50–85.

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A+ Rated Carriers
2M+ Seniors Helped
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Licensed in All 50 States
No Medical Exam

Simple Process

Get Covered in 3 Easy Steps

We make finding affordable final expense insurance simple, fast, and stress-free for seniors and their families.

1

Answer a Few Questions

Tell us your age, state, and desired coverage. No medical history or exam required to get started.

2

Compare Top Plans

We instantly compare rates from America's leading final expense carriers to find your best options.

3

Get Covered Today

Choose your plan and get covered — often same day. A licensed agent will guide you every step of the way.

Why Final Expense?

Give Your Family Peace of Mind

Final expense insurance ensures your loved ones aren't burdened with funeral and burial costs when you pass away.

  • Guaranteed Acceptance Ages 50–85

    No health questions and no medical exam. You cannot be turned down for pre-existing conditions.

  • Affordable Rates Starting at $12/mo

    Flexible payment options with premiums that never increase and coverage that never decreases.

  • Cash Benefit Paid to Your Beneficiary

    Your family receives a tax-free lump-sum payment directly — to use for funeral costs, medical bills, or any expense.

  • Coverage Starts Immediately

    Most plans provide immediate full benefits from day one — no waiting period for accidents or injuries.

Happy senior couple smiling together

Our Partners

Top-Rated Carriers We Work With

We partner with America's most trusted final expense insurance companies to get you the best rate.

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Final Expense vs. Other Options

See how final expense insurance compares to other ways of preparing for end-of-life costs.

Feature Final Expense Recommended Term Life Savings Account Pre-Need Funeral Plan
No Medical Exam ✓ ✗ ✓ ✓
Ages 50–85 Eligible ✓ ✗ ✓ ✓
Coverage Never Expires ✓ ✗ ✓ ✓
Benefit Paid to Family ✓ ✓ ✓ ✗
Locked-In Premiums ✓ ✓ N/A Varies
Easy Approval Process ✓ ✗ ✓ ✓
Tax-Free Benefit ✓ ✓ ✗ N/A

Real Stories

Trusted by Thousands of Seniors

Here's what families say about using SeniorBenefit to protect what matters most.

★★★★★

"I was worried I wouldn't qualify because of my diabetes, but SeniorBenefit found me a plan the same day. My kids won't have to worry about funeral costs."

MJ
Margaret J.
68, Orlando FL
★★★★★

"The agent walked me through everything patiently. I got a $15,000 policy for just $38 a month. I feel so much better knowing my wife is protected."

RH
Robert H.
74, Dallas TX
★★★★★

"My mom passed last year and we were shocked at the funeral costs. I signed up immediately so my own children won't face the same burden."

SC
Susan C.
71, Chicago IL
★★★★★

"I compared three quotes in minutes and saved $22/month compared to what my current policy costs. Switching was the best decision I've made."

TW
Thomas W.
79, Phoenix AZ

Questions & Answers

Frequently Asked Questions

Final expense insurance (also called burial or funeral insurance) is a small whole life insurance policy designed to cover end-of-life costs such as funeral and burial expenses, medical bills, and other debts. Coverage typically ranges from $2,000 to $35,000.
No medical exam is required. Most plans only ask a few simple health questions — and some plans offer guaranteed acceptance with no health questions at all, regardless of your medical history.
Rates vary based on your age, gender, state, health, and coverage amount. On average, a 65-year-old woman can get $10,000 in coverage for around $30–$45/month. Use our free quote tool above to see your exact rate.
Most final expense plans accept applicants between the ages of 50 and 85. Some carriers extend eligibility up to age 89. Contact us if you're outside this range — we may still have options for you.
Many plans provide immediate full coverage from the first day. Some plans have a 2-year graded benefit period for natural causes, but full accidental death coverage starts immediately. Your agent will explain all details for your specific plan.
No. Final expense insurance is a type of whole life insurance, which means your premium is locked in at the rate you're approved for and will never increase, no matter how old you get or if your health changes.
Yes — our quote comparison service is completely free with no obligation. We're compensated by the insurance carriers, not by you. There's no cost to compare, and you're never pressured to buy.

Still Have Questions?

Our licensed insurance specialists are available Monday–Friday 8am–8pm ET. We're here to help — no pressure, ever.

Call 1-833-784-3317

Don't Leave Your Family with the Bill

The average funeral in America costs $9,000–$12,000. Get covered today starting at just $12/month — no exam required.

Get My Free Quote or call 1-833-784-3317