Private Agency Information Portal — Official State-Regulated Plan Availability Check
This guide walks through how simplified-issue whole life final expense coverage actually works — the kind of permanent policy designed to help a family settle funeral, burial, or cremation costs, close out small debts, and avoid draining the savings built over a working lifetime.
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Coverage options and rates vary by age. Select the closest bracket to see what is available.
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A funeral does not wait for a family to be financially ready. The service, the casket or urn, the plot, the headstone — these are costs that a funeral home expects to be settled before it proceeds. According to the most recent industry cost surveys, a traditional funeral with burial now crosses the $10,000 line once every item is counted, and it must typically be produced within about 48 hours. Household savings, however substantial on paper, are often not liquid enough to meet that timeline. That gap is what final expense insurance was designed to close.
Average cost of a funeral with burial, excluding the headstone, plot, and flowers.
Typical window before a funeral home requires payment to proceed with services.
Median liquid savings held by American households — less than half of a basic funeral.
Cards get declined. Savings accounts, however healthy they look on paper, are often not liquid enough to produce five figures in seventy-two hours. A final expense policy exists for that exact window — the seventy-two hours in which the family is least equipped to solve the problem itself.
Final expense is permanent whole life insurance. Whatever premium is agreed to at issue is the premium paid for the rest of the policyholder's life. It does not move because of a birthday, a diagnosis, or a market shift. That is the defining line between final expense coverage and term life, and it is why the product is described as "locked for life."
Final expense is simplified-issue. Approval turns on a short health questionnaire rather than a blood draw, EKG, or physical. Where a health history is more complicated, guaranteed acceptance policies are available between 45 and 85 with no health questions at all — every applicant is accepted.
The carrier pays the named beneficiary a lump sum, generally received income-tax-free under current federal law. No receipts to collect; no restricted spending categories. If the funeral costs $7,000 and the policy pays $15,000, the remaining $8,000 is the family's — for rent, for medical bills, for whatever the next several months require.
The most common reason given for skipping final expense coverage is that savings exist. But savings are exactly what a funeral consumes. A modest policy keeps retirement accounts, home equity, and intended inheritances intact — because the last expense of a life was met by a policy, not by an estate.
Unlike term insurance, which ends when the term ends, a final expense policy accumulates small cash value over time that can be borrowed against or surrendered. More to the point, it stays in force for life so long as premiums are paid. There is no age at which coverage quietly lapses — what was purchased is what the family receives.
"The median cost of a funeral with burial now exceeds $8,300 — and that figure excludes the headstone, the burial plot, and the flowers."
The funds are unrestricted. The named beneficiary decides how they are used — and in practice, they almost always go to the same short list of things.
The service, the casket or urn, the vault, the plot, the headstone, the officiant, the flowers, the reception. A traditional burial routinely lands between $8,000 and $12,000 once every line item is counted. Cremation with a memorial service typically runs $3,000 to $7,000.
Hospital bills, hospice costs, ambulance charges, credit card balances, personal loans, and the ordinary monthly obligations that do not pause when someone passes. Many families use part of the benefit simply to keep the household running during an unpaid leave from work.
Flights, lodging, and meals for out-of-state family. A celebration of life, catering, or a reception. These costs are easy to overlook and routinely add several thousand dollars to the total — exactly the kind of expense a lump-sum benefit absorbs without friction.
Three accounts from policyholders who completed the process by phone. Names abbreviated at their request. Individual outcomes vary by age, state, health profile, and carrier.
"The whole process took about fifteen minutes on the phone. No exam, no waiting weeks for an answer. I know my daughter won't be stuck with the bill."
"I'd been declined twice because of my heart condition. The agent found a carrier that approved me the same day. My rate is locked and that's the end of it."
"We called on a Tuesday and had the policy in force by Friday. They explained everything in plain English and never once tried to sell us something we didn't need."
A meaningful share of final expense applicants live with a health condition that would disqualify them from traditional coverage. Guaranteed acceptance policies exist for exactly that situation — and they remain one of the most durable angles in this category, running continuously in live advertising for years because they keep working.
Between ages 45 and 85, guaranteed acceptance policies ask nothing about medical history. Diabetes, COPD, a prior heart event, a cancer diagnosis — the applicant still qualifies. Everyone who applies is accepted.
Because there are no health questions, guaranteed acceptance policies carry a graded benefit for the first two years. If death occurs in that window, beneficiaries typically receive all premiums paid plus interest. After two years, the full benefit applies.
As with every whole life policy, the rate locks at issue and coverage never expires. What is being purchased is not a term that ends — it is a policy that pays whenever the claim is filed.
See what is available
One short call. No health questions on guaranteed plans.
Two variables govern what a final expense policy actually costs: where the applicant lives and which carrier underwrites the file. Lone Star Final Expense holds licenses across 35+ states and appointments with more than twenty A-rated life insurance carriers — meaning it is not bound to any single company's rate sheet. Applicants are placed where they will be approved at the lowest legitimate premium available for their age, health, and coverage amount.
Final expense rates and product availability differ state by state, and not every carrier operates in every market. Because Lone Star holds licenses across 35+ states, it can compare options a single-carrier agent simply cannot — including state-specific products that are rarely advertised nationally.
Outside the footprint? Call anyway. The agency will confirm plainly, and may be able to refer to a licensed agent in the appropriate state at no cost to the applicant.
Every carrier underwrites differently. One may decline a COPD diagnosis; another approves it at standard rates. One may look unfavorably on a prior cancer history; another specializes in it. Because more than twenty A-rated carriers are represented, an applicant's specific health profile can be matched to the carrier most likely to approve at the best rate — rather than forcing the situation into a single company's box.
This is the single largest practical advantage of working with an independent agency, and it costs the applicant nothing extra. Carriers compensate Lone Star, not the applicant.
Not seeing your state? Call (572) 910-9252 — the agency will confirm availability or refer to a licensed agent where coverage cannot be written directly.
Monthly premiums for a $10,000 whole life final expense policy, shown as typical ranges by age at issue. Rates start as low as $5 per week for some ages and coverage amounts. Actual rates depend on age, sex, health history, tobacco use, state of residence, chosen coverage amount, and carrier.
| Age at Issue | Female | Male |
|---|---|---|
| 50 | $28 – $35 | $34 – $43 |
| 55 | $33 – $42 | $41 – $52 |
| 60 | $40 – $51 | $50 – $64 |
| 65 | $50 – $65 | $63 – $81 |
| 70 | $65 – $86 | $82 – $108 |
| 75 | $88 – $119 | $112 – $151 |
| 80 | $124 – $172 | $158 – $219 |
Illustrative ranges only — not an offer of insurance. Actual premiums are determined by the issuing carrier's underwriting guidelines.
For applicants in reasonable health, coverage is fully active from day one. Beneficiaries receive the full death benefit regardless of when a claim is filed. These carry the most favorable rates.
For applicants ages 45–85 with more serious health histories. No health questions, no exam, no denial — everyone who applies is accepted. Benefits are typically graded during the first two policy years.
A licensed agent answers. Free quote. No obligation.
If something below isn't answered here, call directly. Lone Star would rather an applicant understand the product and decline it than buy something that doesn't fit.
(572) 910-9252Yes. "Final expense," "burial insurance," and "funeral insurance" all describe the same product: a small whole life policy — typically $5,000 to $35,000 — intended to cover end-of-life costs. The money is paid to the chosen beneficiary as a lump sum, and they may use it however they need.
No. Final expense policies are simplified-issue, meaning approval is based on a short health questionnaire rather than blood work or a physical. Some carriers may review prescription history. Guaranteed acceptance policies involve no health questions at all.
No. These are whole life policies with level premiums. The rate approved at issue is the rate paid for the rest of the policyholder's life, and coverage does not expire as long as premiums are paid. This is the defining difference between final expense coverage and term life insurance.
Because every carrier underwrites differently. A single-carrier agent can only offer one company's rate and one company's underwriting guidelines. Working with 20+ A-rated carriers means a specific health profile can be placed with the carrier most likely to approve at the lowest rate — often the difference between a decline and a standard-rate approval. It costs the applicant nothing extra; carriers compensate Lone Star, not the applicant.
Once the carrier receives a completed claim with a certified death certificate, most pay within 24 to 48 hours. Many funeral homes will also work directly with the insurer, so a family may not need to pay upfront at all. Ask how to arrange that before it is needed.
Generally, life insurance death benefits paid to a named beneficiary are received income-tax-free under current federal law. Estate tax treatment depends on individual circumstances. Lone Star employs insurance professionals, not tax advisors — please confirm specific situations with a qualified tax professional.
Options still exist. Many carriers specialize in applicants with diabetes, COPD, heart conditions, or a prior cancer diagnosis. If one carrier declines, another may approve. Guaranteed acceptance policies turn no one away between ages 45 and 85.
Never. Quotes are free, there is no obligation to buy, and Lone Star is compensated by the insurance carrier — not by the applicant — if a policy is purchased. If coverage does not fit a budget or situation, the agency will say so plainly.
There is no form to fill out, no email to hand over, no callback to wait for. The number below reaches a licensed agent who can compare live rates across multiple A-rated carriers — for a specific age, state, and health profile — while the caller is still on the line.
Call now · Answered by a licensed agent
(572) 910-9252
No obligation. No medical exam. No health questions on guaranteed acceptance plans.
What happens on the call
Two facts that determine which products and rates are available.
Usually between $5,000 and $35,000. The agent can suggest a figure if undecided.
Replaces the medical exam on simplified-issue plans. Not required on guaranteed acceptance.
The caller decides whether to move forward. No pressure to buy anything.
Consent to contact. By calling the telephone number displayed on this page, the caller provides express written consent authorizing licensed marketing partners and insurance agents to contact them by telephone, mobile device, email, or SMS text message regarding final expense life insurance products at the number provided — including through the use of automated technology, artificial or prerecorded voice, and automatic dialing systems. Consent is not a condition of purchase. Standard message and data rates may apply. Callers may revoke consent at any time by requesting to be placed on the internal do-not-call list, or by replying STOP to any text message received. No purchase is required to obtain a quote. This page is an independent consumer information portal and is not affiliated with, endorsed by, or sponsored by any government agency or program.