Final Expense Insurance

Simple and affordable guaranteed whole life insurance.

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What is Final Expense Insurance?

Final Expense Insurance, sometimes known as guaranteed whole life insurance, lets you support your loved ones with any associated costs when you pass away. This can include medical bills, funeral costs, and even, the catering at your wake, as spooky as it may seem. Sure, it’s never nice to think about life after you’re gone, but Final Expense Insurance offers an easy and cost-effective way to protect your family at a difficult time.


How does Final Expense Insurance work?

You may not need Final Expense Insurance if you have permanent life insurance in place, as your expenses after death may already be covered. But if you outlive your term life insurance policy, Final Expense Insurance will support your loved ones after you’re gone – not just with medical bills and funeral costs, but other expenses like trips to scatter your ashes.


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Benefits of Final Expense Insurance

When you take out Final Expense Insurance with Legal & General America – issued by the Banner Life Insurance Company – you can receive a pay-out of up to $15,000 to cover final expenses after your death.


Guaranteed acceptance


Guaranteed fixed rates


Guaranteed for life

Benefits of Final Expense Insurance

  • Guaranteed acceptance for ages 50 to 80 – you can’t be turned down because of your health
  • No medical exam or lengthy health questionnaire
  • Best rates for non-tobacco users
  • Premiums will never go up, even if your health status changes
  • Approved claims paid within one business day
  • Full coverage after two years and immediate coverage for accidental death*
  • Coverage continues for your whole life, even though you only pay until age 95
  • Build cash value over time that you can borrow against, if needed
  • Save on premiums when you pay monthly from your checking or savings account
  • Higher premiums compared to your term policy
  • Not necessary if you have permanent life

Why choose us



US Customers


Top 5

Life Insurance Providers



In Assets

Who is Final Expense Insurance for?

People aged 50 to 80

Acceptance for Final Expense Insurance is guaranteed in this age range, with no medical exam required.

Those without term life

If your term life insurance has expired, Final Expense Insurance will protect your final expenses.

Those on a budget

If you’re not covered by permanent life insurance, Final Expense Insurance offers simple and affordable coverage.


With Final Expense Insurance you can build up a cash value to support retirement spending.

Beyond Final Expense Insurance


Term life insurance

Term life insurance is a simple, cost-effective way to protect your loved ones.

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Universal life insurance

Permanent life insurance remains in place so long as you pay your premiums.

Read More