No Medical Exam Required

Protection Worth Leaving Behind.

Final expense coverage lets your family grieve without the weight of unexpected bills. Plans from $5,000 to $50,000, locked-in rates, and approval in minutes — not weeks.

Ages 45–85 Accepted1
Level Premiums Available2
Coverage for Life3

Get Your Free Quote

Takes less than 60 seconds. No obligation.

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Prefer to talk? Call us: (469) 722-3766

A licensed agent answers in under 60 seconds.

25+
States Served
$0
Medical Exam Required
24 hrs
Typical Response Time4
A-rated
Carrier Partners5
A-Rated Carrier Partners
A grandmother and granddaughter sharing a warm moment at home
Built for the people you love
Our Promise

More Than a Policy — a Quiet Act of Love.

For the families we serve, final expense coverage isn't about paperwork. It's about sparing the people you love from a phone call, a bill, and a decision they shouldn't have to make while they're grieving.

We keep things honest: plain-English plans, fixed rates for life, and a licensed advisor who picks up the phone when your family needs them most.

  • No pressure. No medical exam on most plans.6
  • Licensed in 25+ states with A-rated carriers only.
  • Fast claim payouts — often within days, not weeks.7
Premier Final Expense
Licensed · Independent · Family-Owned
25+ States Licensed
A-Rated Carriers Only
5+ Years in Business
24/7 Claims Support
Real People, Real Service

You'll Work With Our Team of Licensed Agents, Not a Call Center.

Independent Final Expense Specialists · Multiple A-Rated Carriers

Premier Final Expense is an independent agency that specializes in final expense and burial insurance for families across the country. Our team of licensed agents represents multiple A-rated carriers — which means we can shop your age, health, and budget across options instead of pushing a single product.

Every quote request on this site is reviewed personally. When you submit the form, a licensed agent from our team will call you back at a time that works for you. No autodialer. No sales script. Just a straight conversation about what your family actually needs.

Alabama Arizona Arkansas California Florida Georgia Illinois Indiana Kentucky Louisiana Maryland Michigan Minnesota Missouri New Jersey North Carolina Ohio Oregon Pennsylvania South Carolina Tennessee Texas Utah Virginia Washington
Learn More About Us
Simple Process

3 Steps to Complete Coverage

We make final expense insurance fast, simple, and stress-free.

1

Submit Your Info

Fill out the quick form above — takes under 60 seconds. No personal health questions.

2

Speak with an Agent

A licensed advisor will call you to walk through your best plan options at no cost.

3

Get Covered Today

Choose your plan, complete enrollment, and your family is protected — starting immediately.

Why Choose Us

Coverage Built for Real Families

Straightforward protection with no surprises — ever.

🛡️

Easy Acceptance8

Guaranteed-issue plans are available with no medical exam, no blood tests, and no health questionnaire for qualifying applicants.

💰

Level Premium Options2

Most plans we offer lock in a fixed monthly premium for the life of the policy — no surprise rate hikes as you age.

⚡

Fast Claim Payouts7

Once a claim is approved and documents are received, most carriers release funds to beneficiaries within days.

📋

Covers All Final Expenses

Funeral costs, burial fees, medical bills, or any other end-of-life expenses your family may face.

📞

Dedicated Licensed Agents

Real humans answer your calls. Our agents are licensed, compassionate, and never pushy.

🏆

Top-Rated Carriers Only

We partner exclusively with A-rated insurance carriers so your coverage is always rock-solid.

60-Second Estimate

What Will My Coverage Actually Cost?

Slide to your age and coverage amount — get an instant ballpark with no form, no email, no obligation.

65
$15,000
Estimated Monthly Premium
$58–$74
per month

Estimate only — not a quote or offer of insurance. Final rate depends on your state, carrier, plan type, and a few simple health questions.2

See Your Real Quote
What to Expect

The Experience We Design For

Eight things families tell us matter most when they start the conversation.

★★★★★

Clarity, Not Jargon

No scripts. No upsells. A licensed agent walks you through plain-English options — what each plan covers, what it costs, and why it fits your situation.

★★★★★

Speed Without Pressure

Most quotes are reviewed within one business day, and qualifying applicants can typically be enrolled the same day they decide. You move at your pace.

★★★★★

Support When It Matters

When a claim is filed, a dedicated agent helps your family with the paperwork so the carrier can release funds to beneficiaries as quickly as possible.7

★★★★★

Built for Fixed Incomes

Premiums for many of the plans we quote fall between roughly $20 and $90 a month at common ages and coverage amounts — designed so they fit a Social Security or pension budget without surprises.

★★★★★

No Medical Exam

Every product we write is either simplified-issue (a handful of yes/no health questions) or guaranteed-issue (no health questions at all). No doctor visits, no blood draws, no scheduling.6

★★★★★

Designed for Seniors

Larger print, slower conversations, and phone-friendly service. Your agent takes the time to answer questions more than once if that helps — because a decision this important shouldn't feel rushed.

★★★★★

Dignity and Peace of Mind

The real benefit isn't the policy — it's knowing your family won't have to scramble for funeral costs or dip into savings. That's the outcome every plan we write is built around.

★★★★★

Choice of A-Rated Carriers

As an independent broker, we compare quotes from multiple top-rated final expense carriers, so the plan you end up with is the one that actually fits — not the only one a captive agent could sell you.5

Common Questions

Quick Answers Before You Talk to an Agent

The seven questions families ask us most, in plain English.

Will my premium ever go up?
No. The final-expense whole-life policies we write are level-premium products — once your monthly rate is locked in at issue, it stays the same for the rest of your life, regardless of age or changes in health. Premiums are guaranteed level as stated in the policy contract.2
Is there a waiting period before coverage starts?
It depends on the plan type. Simplified-issue policies (a handful of yes/no health questions) typically pay the full death benefit from day one. Guaranteed-issue policies (no health questions at all) usually carry a 2-year graded-benefit period during which the carrier pays a return of premiums plus interest if the insured passes from natural causes; accidental death is covered immediately. A licensed agent on our team will tell you which one fits your situation.8
Can I name multiple beneficiaries?
Yes. You can name as many primary and contingent beneficiaries as you'd like, and assign each one a percentage of the death benefit (for example, 50% to a spouse and 25% to each of two children). You can update beneficiaries any time, free of charge, by contacting the carrier directly or asking your agent to walk you through the form.
Do I really not need a medical exam?
Correct — none of the products we quote require a medical exam, blood test, or doctor visit. Some plans ask a few yes/no health questions; others ask none at all. Your agent matches you to a plan that fits your health profile so you're not paying for underwriting you don't need.6
What if I have pre-existing health conditions?
Pre-existing conditions don't disqualify you. If a simplified-issue plan isn't a fit, a guaranteed-issue plan accepts every applicant in the eligible age range with no health questions asked. The trade-off is a 2-year graded-benefit period; after that, you have full coverage for life.
How fast will my family receive the death benefit?
Once the carrier receives a certified death certificate and any required claim forms, most A-rated final-expense carriers release funds to the named beneficiary within several business days — often as quickly as 24–72 hours. Speed of payout is one of the main reasons families choose this kind of policy over savings or pre-paid funeral plans.7
Can I cancel my policy if I change my mind?
Yes. Every policy includes a "free look" period — typically 10 to 30 days depending on your state — during which you can cancel for any reason and receive a full refund of premiums paid. After the free look, you can still cancel at any time, though paid premiums are no longer refunded.

Have more questions? Read the full FAQ or request a callback from a licensed agent.

A Real Person, A Real Conversation

Work With a Licensed Advisor — Not a Call Center.

When you request a quote, you'll speak with an independent, licensed agent who sits down with your situation and walks through options carefully. No scripts. No upsells. Just plain answers for your family.

Talk to an Advisor

A Small Step. A Lasting Gift.

Your free quote takes about 60 seconds. No medical exam, no obligation, no pressure.

Get My Free Quote Now

Product Disclosures

  1. Issue-age eligibility varies by carrier and product. Most carriers we represent offer final expense products to applicants ages 45–85; some offer products outside that range.
  2. "Level premium" means premiums do not increase due to age on most whole life final expense products. Graded benefit and modified benefit plans may apply during the first 2–3 policy years. Premiums are guaranteed level only as stated in your policy contract.
  3. Coverage continues for the life of the insured as long as premiums are paid on time. Policies may lapse if premiums are unpaid past the grace period. See your specific policy contract for all terms.
  4. Response time reflects typical outreach after a quote request during normal business hours and is not a guarantee of policy approval time.
  5. Carrier financial-strength ratings (such as A.M. Best, S&P, Moody's) are assigned to insurers, not to PremierFinalExpense. Ratings are current as of each carrier's most recent publication and are subject to change.
  6. Guaranteed-issue plans require no medical exam and no health questions. Simplified-issue plans typically ask a few yes/no health questions but still require no medical exam. Product availability varies by state and applicant age.
  7. Claim payout timelines vary by carrier and depend on receipt of a certified death certificate and complete claim documentation. Most carriers release funds within several business days once claim requirements are met.
  8. Guaranteed-issue policies typically include a 2-year graded-benefit waiting period during which, if the insured dies of natural causes, the benefit paid is a return of premiums plus interest rather than the full face amount. Accidental death is typically covered from day one. Exact terms vary by carrier and state.
Call (469) 722-3766 Licensed agent — free quote in 5 min