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Final expense insurance made simple

Final expense (burial) insurance is a small whole-life policy, typically $5,000 to $50,000, designed to cover funeral costs, medical bills and other end-of-life expenses so your family doesn’t have to. Most plans need no medical exam, and many have premiums that never increase once issued. We connect you with licensed agents who can quote plans for your age and health.

Get my final expense quotes (405) 504-3786
Final Expense

A good fit if you…

  • Are between 50 and 85 and want coverage that’s easy to qualify for
  • Prefer a fixed premium that never goes up
  • Want to spare your family a funeral bill that often runs $8,000 or more
  • Have health conditions that made other coverage hard to get
  • Want a policy that builds a small cash value

What agents can quote

  • Level benefit plans for applicants in good health
  • Graded benefit plans for applicants with health conditions
  • Guaranteed issue plans with no health questions
  • Coverage amounts from $5,000 to $50,000
  • Premiums fixed for life, with coverage that never expires
Free and no obligation. You never pay Direct Media Services. Partners compensate us for the introduction; the price you are quoted is set by the carrier, provider or supplier.

Get my final expense quotes

Three short steps, about two minutes. No payment, no obligation.

Step 1 of 3
What would you like to compare? *

Availability and pricing depend on where you live.

Free and no obligation. Your details go only to partners matched to your request.

Worth knowing

Three things to understand before you compare

Fixed premiums

Final expense policies are whole life, so the premium you start with is the one you keep, and coverage doesn’t end at a certain age.

Graded vs. level benefits

Level plans pay the full benefit from day one. Graded and guaranteed-issue plans may pay a reduced benefit if death occurs in the first two years, except by accident.

Your beneficiary gets cash

The benefit is paid to the person you name, generally income-tax free, and can be used for anything: the funeral, medical bills, debts or an inheritance.

The process

How your final expense request works

Four steps. You never pay us, and you decide what happens next.

01

Tell us what you need

Pick a category and answer a few quick questions. About two minutes, no account, no payment.

02

We check availability

We confirm the product is offered in your ZIP code and route your request only to licensed partners in that category.

03

Compare your options

A licensed agent or provider contacts you to review options and pricing. Ask anything, compare, and take your time.

04

You decide

There is no fee to use our service and no obligation. Choose a plan, or walk away. Either way you can opt out of further contact at any time.

Final Expense questions

Answers before you start

How much does final expense insurance cost?
Premiums depend on age, gender, health and the benefit amount. A $10,000 policy for a 65-year-old in reasonable health often runs $30 to $70 a month. The agent you’re matched with can quote exact figures.
Do I need a medical exam?
No. Final expense policies use health questions instead of an exam, and guaranteed issue plans ask no health questions at all.
Can I be turned down?
Level and graded plans have some health questions, so some applicants are offered a different plan instead. Guaranteed issue plans accept applicants in the eligible age range regardless of health.
Is this the same as prepaying a funeral home?
No. A pre-need contract is tied to one funeral home. A final expense policy pays cash to your beneficiary, who can use it anywhere.
Does it cost anything to use this service?
No. Our service is free to you and there is no obligation. We are compensated by the agents and partners in our network.

Disclosure. Direct Media Services, LLC is not an insurance company, agency or licensed agent and does not sell, underwrite or bind insurance. Final expense policies are issued by third-party carriers through independent licensed agents. Benefit amounts, waiting periods and premiums are set by the carrier.

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Ready to compare final expense options?

Tell us what you need and we’ll match you with licensed agents and providers in your area. Free, no obligation, and you stay in control.

Get my final expense quotes (405) 504-3786

No cost to you · no obligation · licensed partners only

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