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How It Works?

Final expense life insurance differs from other types of life insurance. It's not meant to replace income or provide for long-term financial needs; rather, it covers the costs associated with your passing.

apply

Apply

Start by considering your funeral plans and any outstanding bills or debts. Add up the total amount you'll need for coverage. Before making a decision, explore the different final expense plans we offer.

buy

Buy

Once you're approved for final expense life insurance, you'll need to make regular premium payments on your policy. Our Life's final expense plans last a lifetime, as long as you keep your payments up to date. This will also help build cash value for your payout.

protect

Protect

In the event of your passing, your family will receive a lump sum cash payout equal to the coverage amount you applied for. They can use this money to cover funeral costs, bills, debts, or save it for the future. Having a final expense plan in place can provide a financial safety net for your loved ones.

Reasons Why People Choose Coveredforlife

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No Medical Exam Needed

Certain types of life insurance require a medical exam, but not a burial insurance policy. Unless you have a serious pre-existing medical condition, you’ll likely be able to get coverage.

Make the Right Decision

We've Got Solutions for Your Concerns!

Final expense insurance helps older adults plan and prepare for funeral costs and other end-of-life expenses.

There are two types of final expense insurance services:

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1. Simplified Issue Final Expense Insurance

This is suitable for people in relatively good health who want to cover their end-of-life expenses. The application asks a few health questions, but there's no need for a medical exam.

2. Guaranteed Issue Final Expense Insurance

This is the right choice for people whose age or health makes it difficult to get other types of life insurance. With guaranteed issue, there are no health requirements at all, so almost anyone who meets the age criteria can qualify.

Get a Final Expense Insurance Quote

Want a quote for final expense insurance? If you have any questions or need assistance, just fill out the form, and we'll get back to you as soon as we can.

Find Your Plan

Common Questions and Answers

If you want to know more about us, here are some frequently asked questions that can give you a better understanding.

Not sure if final expense insurance is a good idea? If you don't have money saved up for your family to handle funeral or medical expenses after you're gone, this insurance can be a budget-friendly option instead of trying to save up thousands of dollars for these costs.
Usually, it remains in effect as long as you keep paying the premiums. Some policies might have an age limit, like 100 years or older, but to be sure about your specific policy, you should ask your licensed insurance agent or refer to your policy documents.
Usually, yes. Smokers tend to have shorter life expectancies than non-smokers, which makes them riskier to insure. While final expense insurance is more lenient with health requirements compared to other types of insurance, they will still inquire about your smoking status when you ask for a quote.

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Disclaimer: "Cover for Life plans are insured or covered by a Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan's contract renewal with Medicare."

TPMO Disclaimer: We may not offer every plan available in your area. Currently, we represent multiple insurance organizations such as Aetna, Humana, Blue Cross Blue Shield, and others that provide various insurance products like Medicare supplement, Advantage, Plan D, and life insurance in your area. For comprehensive information on all your options, please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP).

FCS Disclaimer: Participating sales agencies represent Medicare Advantage [HMO, PPO, PFFS] and/or Prescription Drug Plan organizations that are contracted with Medicare. Enrollment depends on the plan's contract renewal.

OEP/SEP Disclaimer: Enrollment in the described plan type may be limited to certain times of the year unless you qualify for a Special Enrollment Period.