Final expense insurance
Small whole life coverage that pays for the funeral, medical bills, and small debts — so your family never carries the cost.
Explore final expense Independent · Licensed in all 50 states
Life insurance made clear for ages 50–85.
Compare final expense, burial, and guaranteed issue policies from top-rated carriers — with rates before anyone asks for your phone number.
What we compare
Coverage built for ages 50–85 — and the health histories other policies turn away
Burial insurance
The same lifetime protection, focused on burial and funeral costs. Locked premiums, no expiration.
Explore burial insuranceGuaranteed issue life
No health questions, no exam, no declines for health reasons at eligible ages. Built for the histories other policies turn away.
Explore guaranteed issueCarrier comparisons
Honest, independent reviews of Mutual of Omaha, Colonial Penn, AARP/New York Life, and more — with the trade-offs named.
Compare carriers How it works
Three steps. No pressure. No jargon.
1
Tell us who you are protecting
Your age, coverage amount, and a few basics — 30 seconds online or one phone call.
2
We compare the carriers
One licensed agent checks multiple top-rated carriers for your exact profile — not just one company’s rate card.
3
You pick, we handle the rest
Application, carrier follow-up, policy delivery. Your rate locks in the day you are approved.
| Issue age | Female, non-tobacco | Male, non-tobacco |
|---|---|---|
| 40 | $29.95/mo | $33.62/mo |
| 45 | $22.61/mo | $25.45/mo |
| 50 | $24.68/mo | $29.16/mo |
| 55 | $28.40/mo | $35.10/mo |
| 60 | $32.87/mo | $42.76/mo |
| 65 | $41.02/mo | $55.76/mo |
| 70 | $53.24/mo | $73.71/mo |
| 75 | $72.42/mo | $99.53/mo |
| 80 | $98.44/mo | $132.66/mo |
| 85 | $135.91/mo | $183.16/mo |
Premiums are calculated from each carrier's published rate table using that carrier's own formula (rate per $1,000 x coverage, plus the annual policy fee, times the payment-mode factor). They are an estimate, not a quote or an offer of coverage. Your actual premium depends on the carrier's underwriting decision and can vary by state; rate tables also change. Coverage is not bound until the carrier confirms it in writing.
30 seconds · no obligation
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Frequently asked questions
What does Secure Final Plan actually do?
We are an independent insurance brokerage licensed in all 50 states. We compare final expense, burial, and life insurance policies from multiple top-rated carriers and match you with the coverage and price that fit your age, health, and budget.
Does it cost anything to use your service?
No. Comparing quotes and talking with a licensed agent is free. If you buy a policy, the carrier pays us a commission — your premium is the same as buying direct.
Can I get coverage if I have health problems?
In most cases, yes. Simplified issue policies ask a few health questions with no exam, and guaranteed issue policies ask no health questions at all — acceptance is guaranteed for eligible ages.
How fast can coverage start?
Many simplified issue policies can be approved in days — some the same day. Policies with full first-day coverage begin protecting your family as soon as they are in force.
What ages do you work with?
Our focus is ages 50 to 85 — the range final expense and guaranteed issue products are built for. Younger applicants looking at term or whole life are welcome too.
Get your rate in 30 seconds
No pressure. No spam. Just a clear comparison of the policies that fit your age and health.
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