Compare Final Expense Plans
Compare the three types of final expense insurance side by side to find the right coverage for your health and budget.
Final Expense Plan Comparison
All three policy types are whole life insurance — permanent coverage with fixed premiums. The key differences are health requirements and when the full benefit is paid.
| Feature | Most Popular Level Benefit Best for healthy applicants | Graded Benefit For moderate health | Guaranteed Issue No health questions |
|---|---|---|---|
| Coverage Amount | $5K–$25K | $5K–$20K | $5K–$25K |
| Medical Exam Required | |||
| Health Questions | Simplified (few) | Moderate | None |
| Immediate Full Benefit | |||
| Graded Benefit Period | None | 2–3 years | 2 years |
| Premium Level | Lowest | Moderate | Highest |
| Premiums Fixed for Life | |||
| Coverage Lasts Lifetime | |||
| Cash Value Builds | |||
| Tax-Free Death Benefit | |||
| Best For | Good health | Some conditions | Any health |
| Age Range | 50–80 | 50–80 | 50–85 |
| Get Quote | Get Quote | Get Quote |
Sample Monthly Premiums by Age
Sample monthly premiums for a $10,000 level benefit policy for a non-smoking female. Actual rates vary by health, gender, state, and carrier.
| Age | Level Benefit | Graded Benefit | Guaranteed Issue |
|---|---|---|---|
| 50 | $22/mo | $28/mo | $38/mo |
| 55 | $26/mo | $34/mo | $46/mo |
| 60 | $32/mo | $42/mo | $56/mo |
| 65 | $40/mo | $52/mo | $68/mo |
| 70 | $52/mo | $68/mo | $88/mo |
| 75 | $68/mo | $88/mo | $112/mo |
| 80 | $92/mo | $118/mo | $148/mo |
*Sample rates for $10,000 coverage, non-smoking female. For illustration purposes only. Get an exact quote for your situation.
Why Get Your Quote Through AG Solutions?
Our licensed agent will review your health, age, and budget to recommend the best policy — completely free, with no obligation.
Joe Unger
Licensed Insurance AgentJoe Unger is a licensed independent insurance agent specializing in final expense life insurance and funeral expense planning for seniors. As the founder of AG Solutions Insurance, Joe works with clients across the country to compare top-rated carriers and find affordable coverage that fits their health, age, and budget. Joe is committed to transparent, pressure-free guidance — helping families protect themselves from the financial burden of end-of-life costs.
Licensing Disclosure: Joe Unger is a licensed insurance agent (NPN: 17487195) representing AG Solutions Insurance, an independent insurance agency. Final expense insurance products are offered through multiple A-rated insurance carriers. Coverage availability, rates, and terms vary by state, age, and health status. This website is for informational and lead generation purposes only and does not constitute a binding insurance contract. All quotes are subject to carrier underwriting approval.