Term Life
Affordable coverage for set years
Peace of Mind for You, Protection for Your Loved Ones
Cover funeral costs, medical bills, and debts with affordable plans designed for seniors and families
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Types of Life Insurance
What is Term Life Insurance
Final Expense Insurance, sometimes called burial insurance or funeral insurance; is a small whole life insurance policy designed to cover the costs associated with the end of someone’s life. Instead of leaving your family scrambling with bills, it provides a lump-sum payout (usually $5,000 – $25,000) to your chosen beneficiary
Why Choose Final Expense Insurance?
Covers funeral & burial expenses
Provides peace of mind for family
Affordable premiums tailored to seniors
Guaranteed acceptance options available
Final Expense Benefits
Lifetime Coverage
Permanent protection that doesn’t expire as long as premiums are paid—plus cash value that can grow over time.
Fixed Rates Forever
Lock in a predictable monthly cost. Your premium is set at issue and won’t go up with age.
Simplified Approval
Answer a few health questions—no medical exam in most cases—for a fast, hassle-light decision.
Help with Final Costs
Benefits can help cover funeral expenses, medical bills, and small debts—paid directly to your beneficiary.
Final Expense Coverage Options
Simple, permanent whole life designed to cover funeral and end‑of‑life costs. Premiums are locked for life and coverage never expires as long as premiums are paid.
Level Benefit (Immediate)
Day‑one full coverage for those who qualify.
Graded Benefit
Partial benefit for the first 2 years; then full.
Guaranteed Issue
No health questions. Everyone in the issue ages is approved.
Who Benefits from Final Expense Insurance?
Final expense is small, permanent life insurance designed to cover funeral, burial/cremation, and last bills—so your family isn’t passing the hat on the hardest day. Click a tile for smart use-cases.
Seniors on Fixed Income
A small whole life policy that never expires and premiums that never increase.
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- Typical coverage amounts are modest (e.g., $5k–$30k+) to cover services and final bills.
- Issue ages vary by carrier; many offer simplified/no-exam underwriting.
Adult Children Planning for Parents
Own a policy on a parent to avoid surprise costs and paperwork chaos later.
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- Set the child as owner/payer and list beneficiaries; add a contingent beneficiary.
- Funeral home assignment can be used to pay the provider directly from proceeds.
People with Health Concerns
Lenient underwriting; graded benefits available when level coverage isn’t approved.
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- Level benefit pays full amount immediately if approved for standard/preferred.
- Graded/modified pays limited benefits in the first 2 years (accidental death usually full).
Families Without Dedicated Funeral Savings
Creates a guaranteed pool of cash so loved ones aren’t fundraising in grief.
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- Permanent coverage with guaranteed premiums and small cash value accumulation.
- Flexible—use with any funeral home; unlike pre-need contracts, policy benefits can cover broader expenses.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years).
Affordable premiums
Option to convert to permanent
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
Not Sure What You Need?
Answer 6 questions and we’ll recommend your best-fit plan.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Life insurance is a contract between you and an insurance company, where you pay premiums in exchange for a lump-sum payment to your beneficiaries upon your death. It's a crucial step in financial planning, ensuring your family's financial stability.
Term Life Insurance
Coverage for a specific period (e.g., 10, 20, 30 years). Affordable premiums.
Option to convert to permanent insurance
Whole Life Insurance
Lifetime coverage.
Fixed premiums.
Cash value accumulation.
Universal Life Insurance
Flexible premiums and death benefits.
Potential for cash value growth.
Final Expense Insurance
Designed to cover funeral and burial costs.
Simplified underwriting process.
Indexed Universal Life Insurance
Cash value tied to market indexes.
Potential for higher returns with downside protection
Survivorship Life Insurance
Covers two individuals, typically spouses.
Pays out upon the death of the second insured.
How It Works
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Get a Quote & Pick Coverage
Choose a benefit amount that fits your needs (often a few thousand up to tens of thousands). See pricing in minutes.
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Apply — Simplified Issue
Answer a few health questions (no medical exam for most applicants). We handle the carrier, forms, and follow-ups.
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Policy Active — Lifetime Protection
After approval and first payment, your whole life policy is in force for life. Premiums stay level; benefits are paid tax-free to your beneficiaries.
Note: Final expense is whole life insurance. Coverage lasts for life and premiums typically never increase. Policies may build cash value. Depending on your health and the insurer, a graded or modified benefit may apply for an initial period. Riders, limits, and state availability vary. We’ll help you compare.
Ready to Protect Your Loved Ones?
Why Choose OnePoint
Why Families Trust OnePoint Insurance
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Agents who understand your needs
Fast claim payout process
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Frequently Asked Questions
What is Final Expense Insurance?
Final Expense Insurance, also known as burial or funeral insurance, is a type of whole life insurance designed to cover costs such as funeral, burial, cremation, medical bills, and other end-of-life expenses. The benefit goes directly to your loved ones to help them avoid financial strain.
How much coverage do I need?
Most people choose $5,000–$25,000 in coverage, which typically covers funeral expenses and small debts. If you want to leave additional funds for family support, you can opt for a higher benefit amount.
Who can qualify for Final Expense Insurance?
Generally, anyone between the ages of 50 and 85 can apply. Some plans require answering simple health questions, while others offer guaranteed acceptance with no medical exam.
Do I need a medical exam to apply?
No. Most final expense policies are simplified issue (a few health questions) or guaranteed issue (no health questions, no exam).
How much does Final Expense Insurance cost?
It depends on your age, health, coverage amount, and gender, but premiums are usually affordable and designed to fit a fixed income (often starting at $25–$50 per month).
What’s the difference between Final Expense Insurance and traditional life insurance?
Final Expense Insurance → Smaller coverage amounts, easier approval, designed for funeral & end-of-life costs.
Traditional Life Insurance → Larger coverage (hundreds of thousands), requires more underwriting, intended for income replacement and long-term financial planning.
Who receives the payout from my policy?
You name a beneficiary (like your spouse, child, or other family member). The insurance company pays them directly, and they can use the funds for funeral bills or other needs.
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888-899-8117
555 NorthPoint Center E, Alpharetta
Georgia. 30022
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