Final expense insurance · Ages 50 to 85
Leave them memories, not bills.
Cover your funeral and final expenses so your family doesn’t have to. See real prices from top carriers in about two minutes, with no medical exam.
360 reviews on GoogleNo medical examFree to use
- Top-rated carriers compared
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- Top-rated carriers compared
- Reviews on Google
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- Reviews on Google
- Free to use
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- Free to use
- To see your price
- 2 min
- To see your price
We compare carriers including
- Mutual of Omaha
- Transamerica
- John Hancock
- Prudential Financial
- MetLife
- AIG
- Foresters
- Americo
- American Amicable
- National Life Group
- Ethos
- Prosperity Life
- Great Western
- Colonial Penn
- Aetna
Client stories
Real families, real coverage.
People who came to us for a price and left with a policy that fits.
Working with Policy Ocean was one of the best decisions I've ever made. The process was straightforward, and their team was always there to answer my questions. My family and I now have peace of mind, all thanks to them!
I've been with several insurers over the years, but none have come close to the efficiency and dedication of Policy Ocean. Their expert advisors walked me through every step, making sure I understood all the details.
I never thought insurance could be this hassle-free! The personalized advice and competitive rates offered by Policy Ocean are simply unparalleled.
Coverage
Final expense first. Everything else, too.
Final expense is what most people come to us for. You can get quotes for other kinds of life insurance here too.
The Policy Ocean difference
What you get here that you won’t get elsewhere.
Answer a few questions, see real prices, and get connected with an independent, licensed agent if you want help applying.
Real carrier prices, not a teaser
Your final expense prices come live from the carriers, for your age, state and health answers.
Typical quote sites often show a sample rate that changes once you apply.
Day-one coverage with health conditions
Diabetes, heart history, COPD and more: we know which carriers still offer full coverage from day one, and at what price.
Typical quote sites often go straight to a guaranteed-issue plan with a two-year wait.
Free, with no obligation
Seeing prices costs nothing, and talking to an agent never obligates you to buy.
Typical quote sites sometimes make it hard to see a price without a sales call first.
Coverage that never runs out
Final expense is permanent: the price is locked in and the coverage never expires as long as premiums are paid.
Typical quote sites sometimes steer seniors to term policies that end, or rise, when you need them most.
Other coverage too
Term, whole life, IUL and annuities are here when you need them.
Typical quote sites usually quote one kind of policy only.
FAQ
Questions, answered.
Straight answers to what people ask us most.
What is final expense insurance?
A small whole life policy, usually $5,000 to $50,000, made to cover a funeral, burial or cremation, final medical bills and other costs your family would otherwise pay. It’s also called burial or funeral insurance.
Read the full answerDo I need a medical exam?
No. You answer a short list of yes/no health questions. Many people are approved the same day, often over the phone.
Read the full answerCan I get coverage with health problems?
Usually, yes. Many conditions still qualify for full coverage from day one with the right carrier, and guaranteed-issue plans exist for almost everyone else, usually with a two-year waiting period.
Read the full answerHow much does final expense insurance cost?
It depends on your age, gender, health, tobacco use and the amount you choose. Answer a few questions and we show real prices from the carriers in about two minutes.
Read the full answerDoes it cost more to buy through Policy Ocean?
No. Prices are set by the insurance company and filed with each state, so the premium is the same whether you buy through an agent or directly. Policy Ocean is free to use; we’re paid by the licensed agents and agencies we connect you with.
Read the full answerHow it works
From question to covered, without the runaround.
- 1
Answer a few questions
Your age, how much coverage you want and a few yes/no health questions. No medical exam. About two minutes.
- 2
See real prices
Prices come straight from top final expense carriers for your age, state and health, side by side.
- 3
Get help from a licensed agent
If you want help, we connect you with an independent, licensed agent in your state who can help you pick a plan and apply, usually over the phone.
Free tools
Plan with real numbers.
See your final expense price in two minutes.
Real prices from top carriers, no medical exam. We connect you with a licensed agent in your state to help you apply.