Funeral or cremation
Helps pay for the service, viewing, casket or urn, and the arrangements your family would otherwise cover.
Final expense insurance · Licensed agents
Leave your family peace of mind, not a bill.
Tell us a little about yourself and a licensed insurance agent will call with final expense coverage options and real rates, so the people you love are not left paying for your goodbye.
- No-medical-exam plans may be available
- Benefits paid directly to the person you name
- Takes about a minute to complete
Licensed agentReady to help
Your quoteFree, no obligation
Free final expense quote
Get your free final expense quote
A few quick questions. A licensed agent will call with coverage options and rates.
Thank you, your request is in.
A licensed insurance agent will call you shortly.
Keep your phone nearby. It helps to think about how much coverage you would like and who you want to name as your beneficiary.
What is final expense insurance?
Small policy. Big relief for your family.
Final expense insurance is typically a small whole life policy designed to help cover end-of-life costs. When you pass away, the benefit is paid to the person you choose, and they can use it however it is needed most.
Plot, headstone & burial
Helps with cemetery plots, headstones, grave opening and closing, and other burial expenses.
Medical bills & debts
Loved ones can use the benefit to settle final medical bills, credit cards or other outstanding balances.
A gift for those you love
Whatever is left can help your family with everyday costs or be left as a small legacy in your name.
The real cost of a goodbye
Funerals cost more than most families expect.
Without coverage in place, these costs usually fall on children or a spouse, often within days and at the hardest possible time.
$0
Median cost of a funeral with viewing and burial
Source: NFDA, 2023
$0
Median cost of a funeral with viewing and cremation
Source: NFDA, 2023
No exam
Many final expense plans ask health questions instead of requiring a medical exam
Availability varies by carrier
Why people choose it
Coverage built for simplicity.
Final expense plans are designed to be easy to understand and easy to keep. Exact features depend on the carrier and policy.
Your rate is set
With most whole life final expense policies, your premium is locked in when the policy is issued and does not go up as you age.
It does not expire
Unlike term life insurance, whole life coverage stays in force for your lifetime as long as premiums are paid.
Health questions, not needles
Simplified issue plans use a short health questionnaire, and guaranteed issue plans may be available if health is a concern.
How it works
A clear path from first call to real coverage.
No pressure and no complicated paperwork up front. Just a simple conversation with a licensed agent.
01
Request
Tell us about you
Answer a few quick questions about yourself and where you live. It takes about a minute.
02
Quote
Talk with a licensed agent
A licensed insurance agent calls at the time you choose with coverage options and real rates.
03
Protect
Choose your coverage
Pick the benefit amount and monthly premium that fit your budget. There is never any obligation.
60 secTo request your free quote
Why request a quote
More than a policy. A plan your family can rely on.
- 01
Real rates, clearly explained
Your agent walks you through benefit amounts and monthly premiums, so you know exactly what you would pay.
- 02
Options for different health situations
From simplified issue to guaranteed issue, you hear about plans that may fit your age and health.
- 03
A call at a time that suits you
Pick morning, afternoon or evening. You stay in control of when and how we reach you.
Common questions
Final expense, answered.
Still have questions? A licensed agent can go through them with you on a free call.
Ask a licensed agentWhat is final expense insurance?
It is usually a small whole life insurance policy, sometimes called burial insurance, that pays a cash benefit to your chosen beneficiary to help cover funeral costs, medical bills and other end-of-life expenses.
Do I need a medical exam?
Many final expense plans do not require a medical exam. Simplified issue policies ask a few health questions, while guaranteed issue policies ask none but usually have a waiting period, often two years, before the full benefit is paid for death from natural causes.
How much coverage can I get?
Final expense policies generally offer smaller benefit amounts than traditional life insurance, often in the range of a few thousand dollars up to around $25,000 or more. Available amounts depend on the carrier, your age, your health and your state.
Who is eligible?
Final expense insurance is commonly available to adults between roughly 50 and 85 years old, though age limits vary by carrier. A licensed agent can tell you what is available to you.
Does it cost anything to request a quote?
No. Requesting a quote and speaking with a licensed agent is free, and you are never obligated to buy a policy. Please do not cancel any existing coverage until a new policy has been issued and is in force.
Is WhiteStone Communications an insurance company?
No. WhiteStone Communications does not issue policies or make coverage decisions. We connect you with licensed insurance agents who can provide quotes, and approval is subject to the issuing carrier’s underwriting.
Get started
Give your family one less thing to worry about.
Request your free quote and a licensed agent will call at the time you choose.