How it works: a quick application and a real conversation
Answer a few short questions online, takes about 2 minutes. A licensed advisor follows up within a day to walk through your options, find the most affordable plan, and help you apply on the spot if something fits.
Get covered in 4 simple steps
Fill out a 2-minute application
Answer a handful of basic questions online, name, age, state, and a few health questions. No SSN, no medical exam, no pressure.
A licensed advisor follows up with you
Usually within a few minutes, at most within a day. They'll screen you, answer your questions, and pull personalized quotes for your situation.
Compare and pick the most affordable plan
Because we partner with most major final expense carriers, your advisor can shop across them and find the plan that gives you the most coverage for the lowest monthly cost.
Apply on the spot, often approved instantly
If something fits, you can apply right there during the follow-up. Most applications get an instant decision. If you're not approved with one carrier, no worries, we'll find one that will cover you.
What to expect after you apply
The follow-up with your licensed advisor usually takes 10 to 15 minutes. There's no script, no hard sell, just a real conversation about what you need and what you can afford.
They'll ask about your health, your budget, and how much coverage you want. Then they'll pull real quotes from the carriers you qualify for and walk you through the differences in plain language.
Have these ready (optional)
- Your date of birth and state of residence
- A rough list of current medications
- How much coverage you're thinking about ($5K to $50K)
- A monthly budget you're comfortable with
What kind of questions will I be asked?
Final expense policies are designed for seniors on a fixed income, so underwriting is simple. Most people qualify, even with common health conditions.
- Your age and state
- Tobacco or nicotine use
- Basic health history (heart, cancer, diabetes)
- Any current prescriptions
- How much coverage you want
Frequently asked questions
How long does the whole process take?
The online application is about 2 minutes. The advisor follow-up is usually 10 to 15 minutes. If you apply during the follow-up, you'll often have a decision before you finish.
What if I'm not approved by the first carrier?
No problem. We partner with most major final expense carriers, so if one turns you down your advisor will place you with another that will cover you, usually the same day.
Is there any cost or obligation to apply?
No. The application is free, quotes are free, and you're never obligated to buy. If a plan doesn't fit your budget, you walk away.
Do I need a medical exam?
No. Final expense policies use simplified underwriting, just a few health questions, no doctor visits, no blood work.
Ready to see your options?
Two minutes online, a friendly follow-up, and real quotes from carriers that want to cover you.