Final Expense Insurance up to $50,000 — No Waiting Period, No Medical Exam
Don't pay more than you have to for Final Expense Insurance. Let us help you find the most affordable policy from over 20 top-rated carriers. Tobacco users may also qualify for non-tobacco rates and save up to 50% — ask us how.
Protect your family's future with affordable burial coverage
Independent Broker · 20+ Carriers · 40+ Years
Save Up to 25% on Final Expense Insurance
Coverage from $5,000 to $50,000. One call. Under 5 minutes. Curtis shops 20+ top-rated carriers simultaneously — you get the lowest rate available, not just what one company wants to charge you.
Save up to
25%
Coverage from
$5K–$50K
Takes less than
5 Minutes
Talk to
One Person
We recommend not completing forms with personal information or you may be bombarded with phone calls from multiple agents for months.
If you want 1st day coverage with no exam for up to 25% less — give us a call. We shop 20+ top-rated carriers and bring you the lowest rate you qualify for.
What is Final Expense Insurance with No Waiting Periods?
Final expense insurance with no waiting periods refers to policies that provide immediate coverage from day one. Unlike many burial policies that impose a 2-year waiting period before full benefits are paid, these no-waiting-period plans offer:
- Full death benefit coverage starting from the first day the policy is in force
- Protection against unexpected funeral and burial costs without delay
- Peace of mind that your loved ones won't face financial hardship regardless of when a claim is made
These immediate coverage policies typically require answering health questions but don't necessitate medical exams. They're ideal for individuals in good to moderate health looking for immediate protection without the uncertainty of waiting periods.
For those unable to qualify for day-one coverage, we offer American General (AIG) and Gerber Life — permanent coverage with an affordable guaranteed premium that will never go up and a death benefit that will never go down after the initial 2-year waiting period. Even during that 2-year period your premiums aren't lost: both carriers refund 100% of premiums paid plus 10% interest as a death benefit. After the 2 years, the policy pays the full face amount.
Understanding Funeral Costs and Final Expenses
Final expenses can be a significant financial burden for families. Our insurance coverage helps ensure your loved ones won't have to worry about these costs during a difficult time.
Average Funeral Costs:
- Basic Services Fee: $2,300
- Embalming: $775
- Casket: $2,500 - $5,000
- Viewing & Ceremony: $925
- Grave Plot: $1,000 - $4,000
- Headstone: $1,000 - $3,000
Plan ahead to protect your family from unexpected expenses
Compare Final Expense Insurance from 20+ Top-Rated Carriers
As an independent broker, Curtis shops every carrier to find the right fit for your age, health, and budget.
Quotes For Life Insurance
Start HereYour Independent Broker — We Work For You
- We shop 20+ carriers so you don't have to
- Independent broker — we work for you, not the insurance company
- Multi-state licensed with 40+ years of experience
Showing 1 of 8 — Curtis also works with many additional top-rated carriers not shown here.
* Testimonials represent real customer experiences. Individual results may vary based on age, health status, and coverage needs.
** Coverage and rates are subject to eligibility, underwriting requirements, and state availability. Not all applicants will qualify. Please consult with a licensed insurance agent to understand your specific situation and options. Sample rates shown are for illustrative purposes only; your actual premium will depend on age, gender, health classification, coverage amount, and carrier underwriting at time of application.
Curtis Drake | Licensed Independent Life Insurance Broker | NPN: 1141954 | TX License #738897 | Licensed in 32 states (not licensed in Connecticut, Delaware, Illinois, Kentucky, Massachusetts, Minnesota, Mississippi, Montana, New Hampshire, New Jersey, New York, Oregon, Pennsylvania, Rhode Island, Vermont, Washington, Wisconsin, Wyoming, or the District of Columbia).
Our Process
- No-Obligation Consultation
- Coverage Needs Assessment
- Policy Type Selection
- Simplified Application Process
- Quick Approval Review
- Immediate Coverage Option