The Last Gift You'll
Ever Give Your Family
Funeral costs can reach $10,000 or more. Most families aren't prepared. A simple, affordable plan can keep those costs from landing on your family, so they can focus on each other instead of on bills.
Many final expense policies are issued without a medical exam, subject to underwriting. Availability, coverage amounts and premiums vary by carrier, state and health history.
A Small Policy That Makes an Enormous Difference
Final expense insurance — also called burial insurance or funeral insurance — is a whole life policy designed to cover end-of-life costs. It's permanent (as long as premiums are paid) and often available with simplified underwriting and no medical exam.
When you pass, your named beneficiary receives the death benefit, which is generally income-tax-free under current federal law, for funeral services, outstanding medical bills, or other needs.
Whole life — never expires as long as premiums are paid
Builds cash value over time
Benefits paid directly to your named beneficiary — generally income-tax-free
Simplified issue is often approved quickly; timelines vary by carrier and answers
The Conversation Most Families Never Have — Until It's Too Late
The Bill Arrives in Days
Funeral costs commonly run $10,000 or more. Add outstanding medical bills and debts, and the total can grow quickly — often with no plan in place to cover it.
Grief Shouldn't Come With Bills
Losing someone is already the hardest thing a family goes through. No one should have to worry about money in those first weeks. A final expense policy pays a death benefit up to the policy limit toward those costs.
Your Children Deserve Better
Without a plan, families often split costs — or one child bears the entire financial weight. A funded final expense plan can keep those decisions from turning into a financial dispute.
It's Easier Than You Think
Many people assume they are too old or too sick to qualify. Several carriers offer simplified-issue plans with no medical exam, and some offer guaranteed-acceptance options. Eligibility, benefits and timelines depend on the carrier, your answers, your state and underwriting.
Source: National Funeral Directors Association, funeral cost statistics. Figures cited are published national medians or SSA projections and are not a projection of your own result.
"The greatest act of love is making sure the people you leave behind are taken care of."
Simple. Compassionate. Fast.
The process is designed to be simple, with underwriting timelines that depend on the carrier.
01
Quick 10-Minute Conversation
We learn about your health, age, and budget — no judgment, no pressure. We work with carriers who specialize in covering people others turn away.
02
We Compare the Carriers We Represent
We compare quotes across the carriers we are appointed with — which may include Corebridge, Nationwide, Lincoln Financial and Ameritas — for your state and situation.
03
Fast Underwriting, Where Available
Simplified-issue policies are often approved quickly, sometimes without an exam. Timelines and requirements depend on the carrier and your answers.
04
Your Family Is Protected — For Life
Once the policy is issued and as long as you pay your premiums, coverage stays in force and the premium is level under the policy terms. The death benefit is paid to your named beneficiary, subject to the policy being in force and the claim being verified.
Carriers We May Compare for You
As an independent agent I am appointed with multiple carriers, so I can compare the options available for your state and situation instead of presenting a single company's product.
Carrier names are shown for identification only. Appointments, products and availability vary by state and are subject to underwriting. Legacy Life & Income is not affiliated with, endorsed by, or sponsored by any carrier named here, and no carrier has approved or reviewed this page.
We Know You Have Questions. We Have Answers.
Many people ages 50–85 qualify. Some carriers offer simplified-issue policies with a few health questions, and some offer guaranteed-acceptance policies with no health questions at all. Guaranteed-acceptance policies typically pay a graded benefit during the first two years. Availability and ages vary by carrier and state.
Rates vary by age, health, and coverage amount, but many clients pay between $30–$100/month for $10,000–$20,000 in coverage. We shop multiple carriers to get you the lowest rate for your situation.
No. Most final expense policies are "simplified issue" — meaning you answer a few health questions on a short application. Guaranteed-acceptance plans have no health questions, but usually pay a graded benefit for the first two years.
The death benefit is paid directly to your named beneficiary and is generally income-tax-free under current federal law. Payment timing depends on the carrier and on how quickly a claim is submitted and verified; ask the specific carrier for its claim timeline.
Final expense insurance can complement an existing policy. Many people find their larger term policy has expired or that the benefit doesn't cover immediate end-of-life costs. Final expense fills that gap perfectly.
We work with a range of carriers, which may include Corebridge Financial, Nationwide, Lincoln Financial, Ameritas, Mutual of Omaha and others. As an independent agent I compare the carriers I am appointed with — and the products approved in your state — to find a fit.
Give Your Family the
Gift of Peace of Mind
It takes less than 10 minutes to find out what you qualify for. No pressure, no obligation — just honest guidance from someone who cares.
"I just want my kids to be okay when I'm gone. This gave me that." — Dorothy M., Age 72
Still Relying on Work Benefits?
Your employer's plan won't be there
when your family needs it most.
Learn the 5 hidden gaps in work insurance — and how a permanent policy protects your family forever.