No Medical Exam • Rates Locked for Life
The average funeral costs $8,000 – $12,000. Lock in affordable whole life coverage today — plans start as low as $30/month with no medical exam required.
Rates increase with age — today's quote is the lowest it will ever be.
Final expense insurance covers funeral costs, burial expenses, and outstanding debts — so your family doesn't have to worry about finances during a difficult time.
Many final expense policies don't require a medical exam. Angela helps you find options even if you have existing health conditions.
Whole life final expense policies with affordable monthly premiums. Angela compares rates across multiple carriers to find the best price for you.
Unlike term life, final expense whole life policies never expire. Your premiums stay locked in and your coverage lasts your entire life.
Angela Pacheco
Independent Insurance Broker • Pacheco Insurance Services
Takes 30 seconds. Angela will call you with personalized options — no obligation.
Without coverage, your family could be responsible for all of these costs out of pocket.
Final expense insurance (also called burial insurance) is a whole life policy that covers funeral costs, burial expenses, outstanding medical bills, and other end-of-life expenses. Your beneficiary receives a tax-free lump sum to use however they need.
Most final expense policies don't require a medical exam. You'll answer a few simple health questions, and many people with pre-existing conditions like diabetes, heart disease, or COPD can still qualify for coverage.
Rates depend on your age, health, and coverage amount. Most people pay between $30 and $100 per month. Angela compares rates from multiple A-rated carriers to find the most affordable option for your situation.
No. Final expense whole life policies have guaranteed level premiums — the rate you lock in today stays the same for the rest of your life. Your coverage amount also never decreases.
Many policies offer same-day approval. Once approved, coverage typically begins immediately or within 24-48 hours depending on the carrier and plan selected.