Final expense life insurance · Ages 50 to 85
Cover your funeral and final bills, so your family doesn't have to.
Final expense insurance is a small whole life policy that pays your family in cash when you pass. Answer a few questions and a licensed Redline agent compares carriers for you. Most policies need no medical exam.
- Coverage that lasts your whole life, with a price that stays level
- No medical exam on most policies, just a few health questions
- We compare carriers like Mutual of Omaha and Transamerica
- We check for full coverage from day one before anything else
- Hablamos español
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Estimated monthly price for with full coverage from day one, if you qualify:
Estimates only, from published carrier rate tables for your age, gender, state and tobacco use. When two prices show, the lower one is the carrier's preferred rate for the healthiest applicants. Your final price depends on your health answers and the carrier's approval.
A licensed agent will call or text you with prices from more than one carrier (), usually the same business day.
Rather apply on your own? See your price and apply online in minutes through our partner Ethos. No call needed.
Apply online with Ethos
What final expense insurance does
Pays your family in cash
The money goes to your beneficiary, not a funeral home. They can use it for the service, burial or cremation, medical bills, or anything else.
Lasts your whole life
It's whole life insurance. As long as premiums are paid, the policy doesn't expire at a certain age, and the premium is generally set when you buy.
Easy to qualify
Most policies ask a short set of health questions instead of a medical exam. Some ask none at all.
What a funeral costs today
| Type of funeral | National median cost |
|---|---|
| Funeral with viewing and burial | $8,300 |
| Funeral with viewing and cremation | $6,280 |
Source: National Funeral Directors Association, 2023 General Price List Study, the most recent national figures. They don't include cemetery costs like a plot, opening and closing, or a headstone. Prices in Southern California are often higher, so ask your local funeral home for its price list.
What affects your price
Age
Your premium is based on your age when you buy. Buying sooner usually costs less.
Health
Your health answers decide whether you qualify for full coverage from day one.
Tobacco
Tobacco and nicotine users generally pay more.
Gender
Women usually pay a little less than men of the same age.
Coverage amount
More coverage costs more. Most people choose enough to cover the funeral and last bills.
Carrier
Every company prices differently. That's why we compare more than one.
Three kinds of final expense policies
Lowest price
Level benefit
- Health questions
- Yes, a short list
- Full benefit from day one
- Yes
- Best for
- Most people in fair to good health
Middle price
Graded benefit
- Health questions
- Yes, a short list
- Full benefit from day one
- No. Limited benefit for natural causes in the first years
- Best for
- Some managed health conditions
Highest price
Guaranteed issue
- Health questions
- None
- Full benefit from day one
- No. Usually a two or three year waiting period
- Best for
- Serious conditions that rule out the others
Waiting periods and early-year benefits vary by carrier and state. We always check if you qualify for level coverage before looking at the others.
Two ways to get covered
With a Redline agent
We compare carriers for you
- A licensed agent reviews your health answers and finds the carrier most likely to approve you at full coverage
- By phone, video or in person in Colton
- English or Spanish
On your own, online
Apply yourself with Ethos
- See your price and apply online through our partner Ethos
- No medical exam, just health questions
- Ethos says most applicants get a decision right away
How it works with us
- Answer a few questions. About a minute, or call or text us.
- We compare carriers. A licensed agent sends you prices, usually the same business day.
- Apply by phone. Most applications take one call, with no exam. Many get a decision the same day.
4.8 stars from 112 Google reviews
I've been a customer of Redline Insurance for several years, and I couldn't be happier with the service I've received. Carlos and Alfonso have consistently gone above and beyond to find me great insurance rates while making the entire process easy and stress-free.
Agent Jonathan was incredibly helpful and answered all my questions. He guided me in selecting the most suitable coverage. He found me a fantastic insurance policy with a low rate, which saved me a significant amount of money.
Final expense questions
What is final expense insurance?
It's a small whole life insurance policy meant to pay for a funeral, burial or cremation and final bills. It's also called burial insurance. The benefit goes to your beneficiary in cash, and they can use it however it's needed.
How much does final expense insurance cost?
It depends on your age, gender, health, tobacco use, the coverage amount and the carrier. Answer the questions above and a licensed agent will send you real prices from more than one carrier.
Do I need a medical exam?
Usually not. Most final expense policies ask a short list of health questions. Guaranteed issue policies ask none.
Will my premium go up as I get older?
Final expense policies are whole life insurance, so the premium is generally set at your age when you buy and stays level. We'll confirm this on any policy before you apply.
What is a waiting period?
Some policies, like guaranteed issue, pay a limited benefit if you die of natural causes in the first two or three years, often a refund of premiums plus interest. Level benefit policies pay the full amount from day one. We check whether you qualify for level coverage first.
Can I buy a policy for my parent?
Yes, with their knowledge and consent. Your parent answers the health questions and signs the application, and you can be the owner who pays the premium.
Can I apply online without talking to anyone?
Yes. You can apply on your own through our partner Ethos, or start with the form above and a Redline agent will compare carriers for you.
Do you help in Spanish?
Yes. Hablamos español. Call or text (909) 350-8833.
Which states do you serve?
We're licensed in California, Texas and Florida.
Want more detail? Read our final expense insurance guide or use the life insurance calculator.