Finding the right life insurance coverage can be overwhelming for seniors, but it doesn’t have to be. At Final Expense Benefits, we specialize in helping seniors secure affordable coverage without pressure or confusion.
As an independent life insurance brokerage, Final Expense Benefits offers guidance that isn’t tied to any one insurer. We’re partnered with over 20 top-rated life insurance companies to ensure you have access to a wide range of high-quality options. While some brokerages may focus on high-dollar sales or push what they think you want, we prioritize your needs above all else. Our goal is to help you find the best policy for you.
To learn more about life insurance, call Final Expense Benefits at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET, or check our free online quoting tool for a personalized pricing estimate.
What is Final Expense Benefits?
Final Expense Benefits is a life insurance brokerage dedicated to helping seniors find affordable, personalized coverage that fits their needs. We partner with over 20 top-rated life insurance companies so we can match you with a policy that works, without the limitations of a single insurer.
Unlike “captive” agents who only offer policies from the company they work for, our licensed representatives can explore options from all our insurance partners.
This flexibility allows us to compare plans and help you choose the one that fits your health, age, and budget best.
Our agents are committed to your needs and budget, not just commissions. That’s why we pay a base salary in addition to commission, reducing the pressure to sell expensive policies and allowing our agents to focus on providing honest, supportive advice.
The Final Expense Benefits Difference
Final Expense Benefits’ mission is to connect you with affordable and dependable life insurance. We do this by pairing our trusted insurance partners with a dedicated service team trained to listen, not just sell.
Final Expense Benefits is proud to be rated 4.7 out of 5 on Trustpilot, a reflection of our commitment to customer-focused service and real results.
We specialize in final expense insurance, a type of whole life insurance designed to fit seniors’ needs, but we are here to help you find the right coverage for your needs. For more assistance making an informed decision, check our free online quoting tool and funeral cost calculator.
Unlike other brokerages like Big Lou or Ethos Life Insurance that rely heavily on automated systems and scripted, aggressive sales tactics, we believe in genuine conversations. You’re never just a name on a form. You’re making an important choice, and we’re here to help, not tell you what to do.
Ready to experience the difference? Call Final Expense Benefits at (866) 786-0725 and let us help you find the perfect policy.
How to Apply with Final Expense Benefits
Final Expense Benefits makes it easy to discover great rates and expert advice. You can call us directly at (866) 786-0725 and speak with one of our dedicated customer representatives Monday through Friday, 9 a.m. to 5 p.m. ET.
If you’d like to know how much coverage you need or how much it’ll cost, check our free online funeral cost calculator and quoting tool.
Once you call us, we’ll help you determine rates and find a policy from our insurer partners that fits your needs. We can handle the tough parts of the application and give you tips to avoid underwriting pitfalls.
Final Expense Benefits Life Insurance Partners
Our ability to offer top-tier coverage starts with our partners. Final Expense Benefits works with some of the market’s leading life insurers. These partnerships allow us to provide reliable, competitively priced policies tailored to seniors’ needs.
Here are just a few of the providers we work with:
1
Mutual of Omaha
A trusted name in life insurance, Mutual of Omaha offers low-cost final expense plans with strong customer service and coverage options with no waiting period, often with no medical exam required.
2
Aetna Accendo
Backed by CVS Health, Aetna Accendo provides affordable whole life policies designed for seniors. They feature simplified medical underwriting, competitive rates, and access to the Aetna Senior Products catalog.
3
American Amicable
Known for customizable coverage, American Amicable offers final expense policies with many life insurance rider options. As a smaller provider, they’re praised for their personalized customer service and flexible plans.
If you’re interested in these or any of our other life insurance providers, call Final Expense Benefits today or check our free online quoting tool.
Final Expense Benefits Reviews from Real Customers
If you’re looking for proof of the Final Expense Benefits difference, here are just a few of our real customer reviews from Trustpilot. These ratings highlight our dedication to helping seniors like you find the right coverage, without stress and pressure.
Cecelia J
5/5
My agent was really nice, very understanding, and very helpful in handling all of my needs, he answered my questions very professionally and honestly, I would TRULY RECOMMEND HIM TO MY FAMILY AND FRIENDS
Reshiona G
5/5
He was very helpful with explaining every detail about the policy.. help me to make a better decision. And understanding my rights, without his time and patience I would not have known how to make this decision.
Leticia D
5/5
My questions were answered. I’ve been researching for a while and every insurance company is different and confusing. I think this company knows what the questions are regarding such a sensitive topic and handle them professionally. I still have questions but am informed to call back directly to the agent.
What Is Final Expense Insurance?
Also known as burial insurance, final expense insurance is low-cost whole life insurance designed to help seniors cover their end-of-life costs. It’s more accessible to seniors than traditional high-value whole life policies and often accepts applicants with common pre-existing conditions such as COPD, diabetes, or obesity.
For seniors in nursing homes or facing more serious health challenges like dementia, cancer, or terminal illness, guaranteed issue policies are available.
While guaranteed policies have limited benefits and a higher cost, they ensure that coverage is still possible when it matters most.
No matter the health condition, with final expense insurance, seniors enjoy low rates, death benefits focused on covering their needs, and growing cash value. Average benefit payouts range from about $5,000 to $50,000, plenty to cover funeral, cremation, or burial plot costs and other end-of-life expenses.
At Final Expense Benefits, we’ll break down average end-of-life costs, helping you understand what’s essential and what charges you could avoid.
How Much Does Final Expense Insurance Cost?
One of the biggest advantages of final expense insurance is its affordability. Monthly premiums generally range from $30 to $150, depending on age, gender, and health. Because rates are locked when you’re approved and coverage lasts for life, don’t wait: it’s best to apply early.
Below are sample rates from some of our top-rated providers for a benchmark $10,000 final expense policy using a non-smoking applicant with no major pre-existing health conditions.
| Company |
Male 50y/o |
Female 50y/o |
Male 60y/o |
Female 60y/o |
Male 70y/o |
Female 70y/o |
|---|---|---|---|---|---|---|
|
$34 |
$27 |
$50 |
$40 |
$70 |
$56 |
|
|
$31 |
$26 |
$43 |
$35 |
$71 |
$53 |
|
|
$31 |
$24 |
$44 |
$33 |
$75 |
$53 |
|
|
$34 |
$29 |
$45 |
$35 |
$79 |
$59 |
|
|
$33 |
$26 |
$48 |
$36 |
$82 |
$58 |
These figures are estimates only, based on a $10,000 final expense insurance policy with no applicant pre-existing conditions.
If you’re interested in these or any of our other top-quality life insurance partners, call Final Expense Benefits today or check our free online quoting tool.
Final Thoughts
At Final Expense Benefits, our mission is simple: to help you find high-quality life insurance at affordable rates.. By partnering with over 20 of the nation’s top insurers, we’re able to match seniors with policies that fit their needs, without pressure, confusion, or wasted time.
Whether you’re just starting to plan or ready to compare policies, we’re here to guide you through every step.
To learn more about life insurance, call us at (866) 786-0725 Monday through Friday, 9 a.m. to 5 p.m. ET, or check our free online quoting tool for a personalized pricing estimate.
FAQ
What is a life insurance brokerage?
A life insurance brokerage is an independent agency that works with multiple insurance companies to help you find the best coverage at the best price. Unlike agents tied to one company, brokerages give you more options and unbiased guidance.
What is final expense insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs like funeral expenses, medical bills, or unpaid debts. It’s typically affordable and meant for seniors who want to protect their loved ones from financial burden.
How much does a funeral cost?
2025 funeral costs in the United States average about $10,000, depending on the services and location. Costs include the casket, burial plot, service fees, and more.
Why should I choose Final Expense Benefits?
Final Expense Benefits offers personalized support, unbiased guidance, and access to over 20 top insurance providers. Our salaried agents focus on helping you, not selling to you, so you get the right policy without pressure.
Where can I find a life insurance quote?
Final Expense Benefits offers a free online quoting tool for real, personalized life insurance pricing estimates.
