Instant Final
Expense Quote
If you are between 18 and 85 years of age, you can calculate the insurance rate that will meet your needs and financial abilities.
Compare quotes from top-rated insurance companies like: Mutual of Omaha, Transamerica, Americo, Gerber life and more to help you save.
Our calculator will allow you to run FREE life insurance quotes for $2,000, $5,000, $15,000, $20,000, $30,000 , $40,000 and even $50,000 of coverage
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Our Final Expense Calculator helps you instantly compare senior life insurance quotes and view average rates based on your age, state of residence, and desired coverage amount.
To get started, simply enter your name, phone, email, state, and age. Then, choose a coverage amount between $5,000 and $40,000. The calculator will show you estimated monthly premiums.
Once your request is submitted, a licensed life insurance agent will contact you to help compare policies from top-rated companies such as Mutual of Omaha, Americo, Foresters, Gerber, Transamerica, and more. Together, we’ll review your health and personal details to provide you with the most accurate rates and guide you step-by-step through the application process.
It’s quick, easy, and designed to help you find affordable coverage with trusted carriers.
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DISCLAIMER: This quick quote system is for average rate comparison purposes only. Actual premiums and maximum coverage may vary by age, gender, height & weight, health, tobacco use, and the carrier’s underwriting.This is not an illustration or an offer of life insurance. We have made every reasonable effort to assure the accuracy of this information; however, no warranties or guarantees are made. Your final premium will be determined by the insurance carrier after the underwriting process is completed and may differ from your original quote.
Level final expense insurance not only offers very affordable level monthly premiums, but it protects the insured with immediate level death benefit. Which means, that the individual is instantly protected after the first payment has been made. Additionally, your premium is guaranteed not to increase due to age or health, and your death benefit is guaranteed not to decrease during the life of the policy. Ideally, this type of coverage is recommended for those between 18 and 85 years old who are healthy, and they answer NO to all medical questions on the life insurance application. If this is you, make sure that when you use our calculator, you choose “excellent health” on health class options and feel free to run quotes from $5,000 to $50,000. Additionally, this type of burial insurance plan offers additional benefits like: Accidental death for an additional fee, and Terminal illness or accelerated death benefit at no extra cost
Graded Final Expense Insurance, is ideal for those between 18 and 80 yrs old who have average health, but answered yes to one or more medical questions on the final expense application. Perhaps, you are diabetic before you reached 50 years of age, or you use insulin or heart medications. Or you may have a history of cancer, or strokes. If this is you, you may still qualify for an affordable rate and purchase up to $40,000 of Fell free to use our calculator, and run as many quotes as you like. Please make sure you review the limited benefits this type of policy offers in the first two years it is in force
Guaranteed Final expense insurance offers guaranteed approval regardless of your current health. In fact, there are no medical questions on the application, and you can obtain up $25,000 of coverage. You can use our Guaranteed Life Insurance calculator, and obtain average national rates . Even though, the prices may be higher than other plans, It is one of the most popular whole life plans among unhealthy seniors today. This means that even if you suffer from renal failure, hepatitis C, chronic heart disease, or severe breathing conditions, you qualify for Guaranteed Whole Life insurance. Please, make sure you review your policy carefully, regarding limited benefits in the first two years.*
* Graded benefit means your coverage does not start immediately, and there is a waiting period of 2 years before the insurance policy pays 100% of the benefits. This means that if you die of natural causes in the first two years of having this policy active, your beneficiary(s) will only receive the premiums you paid plus interest, or a percentage of the death benefit depending on the insurance policy contract you purchased. However, you are protected immediately if you pass away due to an accidental death. These limitations on coverage and benefits are also true for guaranteed final expense plans.
Final Expense Insurance is a type of life insurance designed to cover burial, cremation, medical bills, and other end-of-life expenses.
Most carriers accept applications between ages 45 and 85. Some carriers may offer coverage as early as age 18.
No medical exam is required. Most plans are simplified issue (health questions only) or guaranteed issue (no health questions)
Premiums depend on your age, coverage amount, health, and tobacco use. Our quotes reflect national averages to give you a realistic estimate.
Many applications are approved within minutes or days, and some carriers provide instant approval.
Yes, you can designate a family member, friend, or even a funeral home as your beneficiary.
We work with top-rated carriers such as Mutual of Omaha, Transamerica, Gerber, Foresters, and Americo.
No. The calculator provides free, no-obligation quotes.