1,800,000+ families protected
Get final expense insurance & leave no debt behind
NO MEDICAL EXAMS • FAST PAYOUT
1,800,000+ families protected
Get final expense insurance & leave no debt behind
NO MEDICAL EXAMS • FAST PAYOUT
Protect your family from the burden of funeral costs
Qualify for up to $25,000 in coverage from home. No medical exams required—just instant peace of mind.
Tax-free cash in 24 hours
Your family receives a lump-sum check immediately to cover funeral costs and debts, ensuring they are never left with the bill.
Rates are locked for life
Your monthly premium is guaranteed to never increase. The price you start with today is the price you keep forever.
No medical exams required
Skip the doctor visits and blood tests. Approval is based on simple health questions, and you can get covered from the comfort of home.
How it works:
We calculate your rate in real time, so you can get covered in 10 minutes
Step 1: Take our free quiz (no med exam)
Step 2: Get matched with your best rates
Step 3: Activate your coverage instantly
How it works:
We calculate your rate in real time, so you can get covered in 10 minutes
Step 1: Take our free quiz (no med exam)
Step 2: Get matched with your best rates
Step 3: Activate your coverage instantly
Final expense insurance made easy
See how Cole Insure is changing the way people buy final expense insurance
Lock in your rate before your next birthday
Over age 50? Insurance rates increase with every single birthday. But once you are approved for a Final Expense plan, your rate is locked for life. Secure your lowest possible price today so you never have to pay more later.
Lock in your rate before your next birthday
Over age 50? Insurance rates increase with every single birthday. But once you are approved for a Final Expense plan, your rate is locked for life. Secure your lowest possible price today so you never have to pay more later.
FAQ
Will my monthly rate ever increase as I get older?
Never. Unlike some policies you see on TV that go up every 5 years, our Final Expense plans have locked-in rates. The price you start with is the price you keep for life, guaranteed. It will not increase due to your age or changes in your health.
Do I need to take a medical exam or give blood?
No. There are absolutely no medical exams, no blood tests, and no doctors visits required.
Can I still qualify if I have pre-existing health conditions?
Yes. These plans are designed specifically for seniors with health history. We have "Guaranteed Issue" and "Simplified Issue" options where no medical exam is required. You simply answer a few "Yes/No" questions. In many cases, you can get approved instantly even with past health issues.
How quickly will my family receive the money?
Fast payouts are the main benefit of Final Expense insurance. While traditional life insurance can take months to pay out, Final Expense claims are typically paid within 24 to 48 hours after the claim is approved. This gives your family immediate cash to pay the funeral home before services are held.
Does the money have to go to a funeral home?
No. The payout is a tax-free cash check sent directly to your chosen beneficiary (like your daughter, son, or spouse). They can use the money for anything: funeral costs, medical bills, credit card debt, or even to leave a small inheritance. They have total control.
How do I know if I need "Term" or "Final Expense" insurance?
If you are over 50 and your main goal is to cover burial costs, cremation, or leave a small gift, Final Expense is the correct choice. It is permanent (lasts forever) and easier to get. "Term" insurance expires after a set number of years (often at age 80) and gets very expensive as you age.
Secure up to $25,000 to cover burial costs
Take our 60-second quiz to find an affordable plan that fits your budget
Secure up to $25,000 to cover burial costs
Take our 60-second quiz to find an affordable plan that fits your budget
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