Final Expense
Handle the goodbye, not the bill.
Whole-life coverage tailored for funeral, burial, and end-of-life expenses, with simple underwriting and lifetime rates.
How it works
Final expense is a small whole-life policy designed to cover funeral, burial, and end-of-life costs. The premium is locked for life and the death benefit never decreases, so once it’s in force, it stays exactly the way you bought it.
Who it’s for
Adults who want to make sure their goodbye doesn’t leave a bill behind. Funerals in the U.S. routinely run $9,000 to $15,000 — final expense lifts that off the people grieving.
Simple underwriting
Most of our final expense carriers use a short health questionnaire and skip the medical exam entirely. People who would not qualify for traditional life insurance often qualify for a guaranteed-issue final expense policy.
Frequently asked
How much should I get?
Most families pick somewhere between $10,000 and $25,000. Your agent will help you size it to local funeral costs plus any small debts you would want cleared.
Will the rate ever go up?
No. Final expense premiums are locked at the rate you sign for, for life.
What if I have a health condition?
Many conditions still qualify with simplified-issue underwriting. Even with serious conditions, guaranteed-issue policies are usually available — your agent will shop the case across multiple carriers.
Ready to talk through it?
Not sure how much coverage to ask for? Run the coverage calculator first — it takes about two minutes and gives you a defensible number to walk into the conversation with.
When you’re ready, a licensed PlondoLife agent in your state can pull rates from every carrier we’re appointed with and show you the case that fits. Request a quote or send us a note.
Important disclosures
This page is for general educational purposes only — not insurance, tax, or legal advice. PlondoLife is a licensed brokerage; policies referenced here are issued by third-party carriers, not by PlondoLife. Eligibility, premiums, riders, benefits, and product availability vary by carrier, age, health, state of residence, and underwriting. Quotes are illustrative and are not a binder of insurance. Indexed crediting (where applicable) is subject to caps, participation rates, and floors set by the issuing carrier; past index performance does not guarantee future credits. Withdrawals, policy loans, and surrender charges may reduce the death benefit and have tax consequences. Life insurance and annuities are not deposits, not FDIC-insured, and not bank guarantees — any guarantees are obligations of the issuing carrier and depend on that carrier’s financial strength and claims-paying ability. See our Licensing & Disclosures for the complete list.