Look after your loved ones when you're gone

With Final Expense Insurance, it's both easy and affordable to get covered. You'll wonder why you haven't done it sooner!

Benefits of Final Expense Insurance

Guaranteed Acceptance

No medical exam—you can't be turned down because of your health

Guaranteed Fixed Rates

Your premiums will never increase, even if your health status changes

Guaranteed for Life

Whole life coverage but you only pay until age 95

What is Final Expense Insurance?

We all want to do what we can to look after our loved ones, even after we are gone. Final Expense Insurance from Banner Life Insurance Company, offers an easy and affordable way to protect your family from financial burdens like funeral costs, medical bills or other outstanding debts by paying up to $15,000 at a difficult time.

  • 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, 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

Over 1 million customers already trust
Legal & General America.

Protection you can count on.

2018 Independent Ratings for Overall Financial Strength


Very Strong Rating

Standard & Poor's


Superior Rating



Very Strong Rating

Fitch Ratings

When considering life insurance plans, it's important to have peace of mind that your financial promises will be kept in years to come. You can have confidence that when you buy a policy with us, you and your family will be in safe hands.

  • Banner Life Insurance Company underwrites and issues life insurance policies under the Legal & General America brand. We've been protecting American families for nearly 70 years and are consistently ranked as a top five life insurance provider.1
  • 1.3 million US policy owners count on us to help provide financial security for the people they have so carefully chosen to protect.2
  • Legal & General America is highly rated for financial strength among US insurance companies.2
  • Our parent company, Legal & General Group Plc, has over 10 million customers worldwide and is the 9th largest insurance company in the world.2,3

  1. LIMRA 2018—US Retail Individual Life Insurance Sales By Channel
  2. Year-end 2018
  3. As measured by assets under management for life insurance, pensions, investment and general insurance. 2017 non-banking assets, 2019 study, A.M. Best

It's simple to apply.

  1. Get a quote

    Choose your coverage amount between $1,000 and $15,000.
  2. Apply

    Our simple application only takes a few minutes to complete.
  3. You're covered!

    Approval is guaranteed. Easy!

We believe that getting life insurance coverage shouldn't be confusing or time-consuming. Call us to get a free quote and you'll be on your way to providing financial peace of mind to the ones you love. It's really that easy!

We have answers to your questions.

Final Expense Insurance is permanent life insurance coverage that can protect your family from the burden of final expenses like funeral costs, medical bills or other outstanding debts.

Our policy is designed for US residents between ages 50 and 80. It can pay up to $15,000 to your family during a difficult time. Coverage lasts your entire life, even though premiums are only due until age 95. You also build cash value over time that you can borrow against, if needed.

No, there are no health questions to answer. No doctor visits or medical exam are required! Approval is guaranteed—you can’t be turned down because of your health.
Final Expense Insurance offers a wide range of coverage options from $1,000 to $15,000. Coverage is available online in $1,000 increments. If you’d like a personalized quote for a different coverage amount, please call us at 1-888-984-3393.
No. Your premiums will never increase, even if your health status changes.
You’ll be covered immediately for accidental death,* and fully covered after two years.
Fill out the Notice of Death form online or call our Claims Department at 1-800-638-8428, ext. 6974. We begin processing your claim as soon as we receive it. Once your claim is approved, payment will be mailed within one business day. Visit our claims page to learn more.

Have other questions? Talk to one of our sales associates at 1-888-984-3393.