Final Expense Life Insurance Made Simple
Protect your loved ones with affordable coverage — whole life, guaranteed issue, or term life options. Quick approval & peace of mind for your family.
Carriers we work with
Get final expense quotes from Top-rated insurance carriers
Why Final Expense Insurance?
Funeral and burial costs often reach $5,000–$20,000. Final expense insurance helps ensure your family doesn’t struggle financially during a time of grief. Lock in affordable rates today and leave a legacy of care.
Which Plan Fits You?
Immediate Whole Life
Answer simple health questions and get full coverage from day one if approved.
- Lowest cost if healthy
- Coverage never expires
Guaranteed Issue
No health questions, guaranteed acceptance. Ideal if you’ve been declined before.
- Guaranteed coverage
- 2-Year waiting period
Term Life
Affordable coverage for a set period. Great for flexible or temporary protection needs.
- Lower starting premiums
- Flexible durations
How It Works
1. Reach Out
Share basic info about Your needs and health.
2. Compare Options
We shop multiple carriers to find Your best fit.
3. Apply
Fast approval, often same-day coverage.
4. Peace of Mind
Your policy protects loved ones immediately or after waiting period.
Why Legacy Peak Financial?
We’re independent agents dedicated to finding you the most affordable coverage — no matter your health history. We help you compare quotes from multiple A-rated carriers, instead of being tied to just one, with a transparent process, and support every step of the way.
Hello I’m Chris
Chris is a senior benefits consultant, licensed insurance agent in 15 states, dedicated to helping clients secure final expense coverage for their families through life insurance.
What Our Clients Say
Legacy Peak helped me when no one else would — even with my medical history.
The process was quick, the agent was kind, and now I have peace of mind.
I didn’t think term life made sense at my age, but they showed me great options
Final Expense FAQ
What is final expense insurance?
Final expense insurance is a type of whole life insurance that helps pay for your funeral, burial, or other end-of-life costs. It’s simple and provides financial protection & peace of mind for you and your family.
How is whole life different from term life insurance?
Whole life insurance lasts your entire life and never expires as long as you pay your premiums.
Term life insurance only lasts for a set time, like 10 or 20 years, and stops if you outlive the term.
How much coverage do I need?
Funerals can cost $7,000 to $12,000 or more on average, and up to $25,000. A typical policy covers $10,000 to $20,000 to help with these costs and any other bills. Amounts up to $50,000 are available for whole life. Amounts up to $1M are available for term coverage (depending on age and other factors).
Can the benefit be used for anything?
Yes, your family can use the benefit for anything they need, like medical bills, debts, or daily expenses, not strictly burial expenses.
Will my payments ever go up?
No, your monthly payments stay the same forever. Your policy also won’t be canceled as long as you pay on time.
Final Expense FAQ
Ready To Protect Your Loved Ones?
Chris Dolland
Licensed Agent
