How much would your family need to cover your final expenses?

Four questions. You'll see an estimate for your state, then whether coverage in that range is available to you. No medical exam on most plans.

Question 1 of 4About 30 seconds

Which state do you live in?

Costs differ a lot by state.

Would you prefer burial or cremation?

Either is fine. This changes the estimate the most.

What is your age?

Plans are available from 50 to 85.

Do you already have coverage set aside for this?

Life insurance, a pre-paid funeral plan, or savings you've earmarked.

Estimated cost in your state

Funeral with viewing and burial

Coverage in this range is available for ages 50–85. Plans from $2,000 to $25,000, premium fixed for life, no medical exam on most plans. A licensed agent in your state can give you a monthly rate in about five minutes.

Call to check my rate(855) 000-0000 · free · licensed agent

No obligation
About 5 minutes
Mon–Fri 8am–8pm ET

Agents are offline right now. Request a call back at the next available time.

By checking this box I agree that Affordable Coverage LLC and its licensed insurance agent partners may contact me at the number provided, including by autodialed or prerecorded calls and texts, about final expense insurance. Consent is not a condition of purchase. Message and data rates may apply.

Estimates use National Funeral Directors Association 2023 median prices adjusted by regional cost index. Actual prices vary by provider. Cemetery, vault, and marker costs are typical ranges and are not included in NFDA medians.

Why people call instead of filling out forms online

One call compares several carriers

An independent agent can quote more than one company for your age and state, so you're not stuck with one price.

You get a real number, not a range

Online estimates are broad. An agent can tell you the actual monthly premium in a few minutes.

No medical exam, no records

Simplified-issue plans ask a few yes/no questions by phone. Guaranteed-issue plans ask none.

Nothing is purchased on the call unless you decide to

Many people take the quote, talk to family, and call back.

Quick answers

What is final expense insurance?

A small whole life policy, usually $2,000 to $25,000, designed to cover a funeral, burial or cremation, and any final bills. The premium is fixed for life and the benefit never decreases.

Will I qualify?

Most people between 50 and 85 qualify for some plan. Simplified-issue plans ask a few health questions; guaranteed-issue plans accept everyone in the age range, at a higher rate and usually with a two-year graded benefit period.

How much does it cost?

It depends on your age, state, gender, tobacco use, and coverage amount. A five-minute call gives you an exact figure.

Is this connected to Medicare or Social Security?

No. This is private insurance. Affordable Coverage is not affiliated with any government agency.