Final Expense Insurance
Protect your family from end-of-life costs
Final expense insurance (often called burial insurance) is a smaller whole life policy — typically $5,000 to $50,000 — designed to cover funeral and cremation costs, remaining medical bills, and other end-of-life expenses. With no medical exam required and simplified health questions, most people ages 50–85 can qualify, often with coverage that starts immediately.
- No medical exam — simplified application
- Ages 50–85 typically eligible
- Coverage can begin immediately
- Covers funeral, medical & final costs
Why final expense coverage matters
The median funeral with burial now costs around $8,000–$10,000 — before any remaining medical bills, credit card balances, or legal costs. Without a plan, those costs land on grieving family members within days. A final expense policy hands your loved ones a tax-free check quickly, so their focus stays on healing instead of fundraising.
Simple to qualify, fast to start
There's no medical exam. Applications use a short set of health questions, and many applicants are approved in days — sometimes the same day. Depending on your health, coverage is either immediate and full from day one, or 'graded' with a short waiting period. May will tell you honestly which you qualify for and find the carrier that gives you the strongest offer.
Locked-in protection for life
These are whole life policies: your premium never increases, your coverage never decreases, and the policy can never be canceled due to age or health changes. Once you're in, you're protected for life — with a small cash value that builds along the way.
Ideal for