Final Expense Insurance Made Simple
Affordable life insurance designed to cover funeral costs and protect your loved ones from unexpected financial burden.
What Is Final Expense Insurance?
Final expense insurance — also called burial insurance or funeral insurance — is a type of whole life insurance policy specifically designed to cover end-of-life costs. Unlike traditional life insurance, final expense policies are smaller in coverage amount and much easier to qualify for.
Coverage amounts typically range from $5,000 to $25,000, providing your family with the funds needed to cover funeral services, burial or cremation, outstanding medical bills, and other final expenses — without leaving them with financial stress during an already difficult time.
- Coverage from $5,000 to $25,000
- No medical exam required for most plans
- Ages 50–85 typically qualify
- Premiums never increase
- Benefits never decrease
- Cash value builds over time
Your Trusted Independent Insurance Agency
As an independent agency, we compare top insurance carriers to find the best coverage at the lowest price — with no obligation and no pressure.
Independent Agency
We work for you, not the insurance company. We compare dozens of top carriers to find your best rate.
No Obligation Quotes
Get a free, personalized quote with absolutely no pressure or commitment required.
Fast Approvals
Many policies are approved within 24–48 hours. Some guaranteed issue plans offer same-day coverage.
Top-Rated Carriers
We partner with A-rated insurance carriers known for financial strength and claims reliability.
Funeral Costs Are Rising Every Year
The average American funeral now costs between $7,000 and $12,000 — and that doesn't include cemetery fees, headstones, or other expenses. Without coverage, these costs fall entirely on your family.
Work With a Licensed Agent Who Cares
At AG Solutions Insurance, you work directly with Joe Unger — a licensed insurance agent dedicated to finding the right final expense coverage for your specific needs and budget.
As an independent agent, Joe compares policies from multiple top-rated carriers to ensure you get the best coverage at the most affordable premium. There's no obligation, no pressure — just honest guidance when you need it most.
Frequently Asked Questions
What does final expense insurance cover?
Final expense insurance pays a tax-free cash benefit to your beneficiary, which can be used for funeral costs, burial expenses, outstanding medical bills, credit card debt, or any other final expenses your family may face.
How much coverage do I need?
The average funeral in the United States costs between $7,000 and $12,000. Most people choose coverage between $10,000 and $15,000 to fully cover funeral costs and leave a small buffer for other expenses.
Can I qualify if I have health problems?
Yes. Many final expense policies offer simplified or guaranteed issue options specifically for people with pre-existing health conditions. Even if you've been declined elsewhere, we can often find coverage for you.
How quickly can I get covered?
Simplified issue policies are often approved within 24–48 hours. Guaranteed issue policies can provide immediate coverage the same day you apply.
Still have questions? We're here to help.