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Dignity. Simplicity. Peace of Mind.

No exam. No waiting.
Final Expense Insurance

Affordable, whole life coverage designed to cover burial costs, medical bills, and final debts — so your family never faces financial stress at the worst possible moment.

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Key Features

What makes this
product powerful.

No Medical Exam Required
Most final expense policies use a simplified health questionnaire — no blood draws, no physicals, no waiting on labs.
Guaranteed Acceptance Options
For applicants with significant health issues, guaranteed-issue policies require no health questions at all.
Coverage from $5,000 to $35,000
Policies are sized to cover funeral costs ($10,000–$15,000 national average), medical bills, and small debts.
Immediate Death Benefit
Unlike some burial policies, our carriers offer level benefit plans with no 2-year waiting period for most applicants.
Fixed Premiums for Life
Your premium never increases and your coverage never decreases, no matter what happens to your health.
Common Questions
What does final expense insurance actually cover?
The death benefit is paid directly to your named beneficiary as cash — they use it for funeral costs, cremation, medical bills, or any other final expenses they choose.
What is the average cost of a funeral in the US?
The national average funeral cost is $10,000–$15,000 including burial, casket, and services. Cremation typically runs $3,000–$7,000.
What is the difference between simplified-issue and guaranteed-issue?
Simplified-issue asks a few health questions and offers lower premiums. Guaranteed-issue asks no questions but has a 2-year waiting period for natural death claims. We help you qualify for the best option.
Can I get final expense coverage if I am over 80?
Many of our carriers offer coverage up to age 85. Premiums are higher, but coverage is available for most applicants in this age range.

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Who It's For

Final Expense Insurance is right
if you are...

Not every product is the right fit for every person. Here's who benefits most from this coverage.

Seniors Ages 50–85
Adults who want to spare their children from financial burden at an already difficult time.
Fixed-Income Households
Those on Social Security or a pension who need affordable, permanent coverage with no surprises.
Those with Health Conditions
Applicants with diabetes, COPD, or other conditions that make traditional coverage difficult or expensive.

Let's find your
perfect coverage.

A licensed Stalex advisor will compare the best Final Expense Insurance policies on the market — for free.

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