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Final Expense, Burial & Life Insurance Quotes

Leave Them
Your Love,
Not The Bill.

A funeral today can cost more than $10,000 — and when you're gone, that bill lands on the people you love, in the middle of the hardest week of their lives. Family Legacy Planning lifts that weight off their shoulders, so all they have to do is remember you — not figure out how to pay for saying goodbye. Need more than burial coverage? We also quote term and whole life insurance.

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✔ No medical exam• ✔ Coverage that never expires• ✔ Rates that never go up

See Your Rate
In 60 Seconds.

Answer a few quick questions. No exam. No pressure. No obligation.

Prefer to talk? Call (888) 318-4005 — licensed in AZ, CA, FL, ID, MA, NV, OR, TN, TX & WA.

Grief Is Hard Enough.
A $10,000 Bill Makes It Harder.

When the time comes, your family should be planning how to honor you — not how to afford it. Without a plan, the average goodbye (casket, service, burial) can leave them with thousands in debt, or a fundraiser with your name on it. That isn't the memory you want to leave behind. This makes sure it isn't.

Simple & Gentle

A Few Questions. Lifelong Peace of Mind.

No pressure, no doctor visits. Here's the whole thing, start to finish.

1

Get Your Rate

Answer a few simple health questions. No medical exam, no doctor visit. Most folks ages 50–85 qualify.*

2

Choose Your Benefit

From covering the funeral to leaving a little extra behind. Whole-life coverage that never expires.*

3

They're Taken Care Of

When the time comes, the benefit is paid to your loved ones quickly — so they can focus on honoring you.*

Straight Answers

What You Actually Get

The specifics — no vague "peace of mind" fluff.

$

A benefit sized to your needs

Enough to cover the funeral and final bills — and then some, if you choose.*

✓

No medical exam

A few simple health questions, and you're done. No needles, no doctor's appointment.*

∞

Never expires

As long as your premium is paid, the coverage stays. It can't be cancelled on you for age or health.*

🔒

A rate that never rises

Lock it in today and your payment stays level for life — it won't climb as you get older.*

$0
To see your rate
60 sec
To apply
50–85
Ages welcome*
Why You Can Trust It

Real Coverage. Real Backing.

No gimmicks. Coverage backed by rated carriers and paid straight to the people you love.

◆
Backed by
A-Rated Carriers

We shop multiple top-rated carriers and match you to the right fit — the coverage and price that works for you, not a one-size policy.

♥
Paid To The
People You Love

The benefit goes to the family you name — to cover the funeral, clear final debts, or whatever they need most.*

∞
Never Expires,
Never Increases

Whole-life coverage with a locked-in rate — it's there for good, and it won't cost more as you age.*

✓
Easy Approval,
No Exam

Health questions only — with acceptance options even for folks with common health conditions.*

Let's Be Honest

"Do I Really Need This?"

"I'm too old — I'll just get declined."
These plans are built for exactly this stage of life. Most folks 50–85 qualify, and there are guaranteed-acceptance options even with health conditions. Getting a rate costs you nothing to find out.*
"I already have life insurance."
Many policies shrink or expire with age, or end when a term runs out. Final expense is whole life — built specifically to cover the goodbye, and it never expires.*
"It's too expensive for me."
Many plans cost about a dollar a day. Weigh that against leaving your children a five-figure bill during the worst week of their lives. A little now spares them a lot later.*
"My family can cover it."
They can — by draining their savings or borrowing while they're grieving. This means they never have to choose between honoring you and affording it.
Who It's For

If You Love Someone,
This Is For You.

Seniors 50–85Parents & Grandparents Fixed-Income RetireesAnyone Without Coverage Folks With Health ConditionsPeace-Of-Mind Planners
More Than Final Expense

Need More Coverage?
We Quote Life Insurance Too.

Burial coverage handles the funeral. If you also want to replace income, pay off a mortgage, or leave a larger gift, we'll quote that too, all in one call.

◆
Final Expense /
Burial Coverage

Smaller whole-life policies built to cover funeral costs and final bills. Simple health questions, no exam.*

♥
Term Life
Insurance

Affordable coverage for a set number of years, ideal for protecting your income, mortgage, or kids while they're growing up.*

∞
Whole Life
Insurance

Permanent coverage with a locked-in rate that never expires, for lifelong protection and a guaranteed benefit for your family.*

✓
Not Sure?
We'll Help.

Pick "Not Sure" on the form and a licensed agent will walk you through your options. No pressure, no obligation.

Common Questions

Final Expense & Burial Insurance FAQ

What is final expense insurance?
Final expense insurance (also called burial insurance) is a small whole life policy made to pay for a funeral, burial or cremation, and final bills. Coverage amounts are usually between $5,000 and $40,000, and the money goes to the beneficiary you choose.
How much does burial insurance cost?
Your price depends on your age, health, tobacco use and the coverage amount you pick. Younger, healthier, non-smoking applicants pay the least. Many people in their 60s and 70s find a plan in the range of a few dollars a day or less. A free quote gives you your exact rate.
Can I get final expense coverage with no medical exam?
Yes. Most final expense plans have no medical exam and no needles. You answer a few health questions on the phone or online, and many people get a decision the same day.
Can I qualify if I have health problems?
Often, yes. Applicants in reasonable health can usually get full coverage from day one. People with serious conditions can still get a graded or guaranteed acceptance plan. Those plans usually have a two-year waiting period for death from natural causes, while accidental death is typically covered right away.
What is the difference between burial insurance and term life insurance?
Burial insurance is whole life: it never expires as long as premiums are paid, and the rate stays level. Term life covers a set number of years, such as 10, 20 or 30, and pays nothing if the term ends first. Term is usually cheaper for larger amounts and younger buyers; burial insurance is built to be there whenever it is needed.
How much burial coverage do I need?
Add up the cost of the funeral and burial or cremation you want, plus any final medical bills or small debts. A traditional funeral with burial often runs $10,000 or more, while cremation usually costs less. Many people choose $10,000 to $20,000 of coverage.
What ages can apply for final expense insurance?
Most final expense plans accept applicants from about age 50 to 85. Some carriers start younger, and options vary by state and carrier.
Will my premium go up as I get older?
No. With a final expense whole life policy the premium is locked in when you buy it, and the benefit amount does not go down. Coverage cannot be cancelled because of age or health as long as premiums are paid.
What states does Family Legacy Planning serve?
Family Legacy Planning is licensed to sell life insurance in Arizona, California, Florida, Idaho, Massachusetts, Nevada, Oregon, Tennessee, Texas and Washington.
Who is Family Legacy Planning?
Family Legacy Planning is a licensed insurance agency based in Yakima, Washington, led by licensed agent Scott Herberg. We quote final expense, burial, term and whole life insurance. Call (888) 318-4005 or request a free quote on this page.

Give Them One Less
Thing To Carry.

In sixty seconds, find out how affordable it is to make sure your family remembers your love — not a bill. No exam. No pressure. No obligation.

See My Rate
Prefer to talk it through? Call (888) 318-4005  ·  Free quote, zero pressure.
How It Works Privacy Policy Terms & Conditions

Scott Herberg, Licensed Insurance Agent · Family Legacy Planning · 420 S. 72nd Ave #180-156, Yakima, WA 98908 · (888) 318-4005
NPN #18669575 · AZ #18669575 · CA #4529149 · FL #W462583 · ID #18669575 · OR #18669575 · TN #3004132492 · TX #18669575 · WA #971806

Family Legacy Planning helps families shop final-expense and whole-life insurance coverage. Coverage, benefit amounts, eligibility, age limits, and terms are determined by the issuing insurance carrier and subject to the terms of the policy. Figures shown marked with * are illustrative examples, not guarantees of coverage or payout, and will vary by applicant. This page is for informational purposes and is not an offer of insurance or a contract. © 2026 Family Legacy Planning.

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