≡ Menu

≡ Menu

Best Final Expense and Burial Insurance Companies

top final expense insurance and burial insurance companies

If you are looking for a whole life insurance policy that will cover your final expenses such as burial and funeral, then your best bet is to consider a life insurance company that specializes in this area. That’s why we put together our 2017 Top 10 Final Expense and Burial Whole Life Insurance Companies list.

What is Final Expense Insurance vs Burial Insurance?

Before we venture into our top 10 list, let’s get some life insurance definitions out of the way by defining what final expense insurance and burial insurance are.

Final Expense Insurance DEFINITION: a life insurance policy designed to cover all of your final expenses – medical bills, debts, funeral expenses and burial costs.

Burial Insurance DEFINITION: a policy designed to cover only the funeral expenses and burial costs of the insured.

Simply stated, burial insurance will not cover any of the last expenses you may have in your final days of life or any other expenses incurred by your family like lost wages for time off for your funeral and burial.

Burial Insurance and Final Expense Insurance Quotes


How to choose a final expense life insurance company or a burial life insurance company

There are certain things you should look for in a final expense or burial life insurance company. The first thing is that it should be a company that specializes in this policy category. Many companies offering life insurance provide final expense policies as an afterthought – just another product to add to their list. Those are not the best final expense life insurance policies. There are life insurance companies that strictly focus on this – or at least make final expense and burial policies a big part of their business.

Our Top 10 Final Expense and Burial Whole Life Insurance Companies


Americo has a variety of whole life insurance products that will cover final expenses. Their Ultra Protector Series is what you need to be looking at. This has policies for people 50-85, ranging from $2,000-$30,000 in coverage.

Protector I and II require a basic health screening as well as health questions. If you need a guaranteed issue final expense policy due to health problems, this may not be the best option.

Read our Americo Life Insurance Review for more detailed information about what they offer.

American National

With American National, you can get a policy from $2,000-$50,000. Graded and modified death benefit plans go up to $25,000. The great thing about this policy is that it has cash value. Additionally, there is a terminal illness rider if your policy is $25,000 or more.

For more information read our American National Life Insurance Company Review


This is one of our favorite no medical exam companies. If you have any kind of health problems, then you should consider Assurity. They offer Simplified Level Benefit Whole Life & Graded Benefit policies. The death benefit is $5,000-$50,000 until the age of 65. From 66-80 years old, the death benefit is between $5,000 and $25,000.

Read our Assurity Life Insurance Review to know more about their life insurance products.

Baltimore Life

Baltimore Life’s Silver Guard products are great and there are three different life insurance policies offered.

Silver Guard I is the best option for people who are relatively healthy and can pass the health questionnaire.

Silver Guard II and III are options for people who have some health problems. Under these two policy options there is a graded death benefit. In year one, you will get 25% coverage. In year two, the coverage goes up to 50%. By year three, the full death benefit is in action.

For more information about Silver Guard products, read our Baltimore Life Insurance Company Review


Foresters is on our list of best life insurance companies. When it comes to final expense policies, Forester’s PlanRight Whole Life policy is a simplified issue final expense policy to consider. The reason most people choose this policy is for the price – it’s extremely reasonable. The policy’s face amount is up to $35,000 up until age 80. It goes down to $15,000 for applicants who are 81-85 years old.

Read the Foresters Life Insurance Company review to know more.

Gerber Life

Yes, it’s the same face as the baby food – they are also an amazing life insurance company. If you have any major health problems but still want to get a final expense policy to protect your loved ones, then Gerber’s Guaranteed Life is a great option. They do not require any medical tests, blood or urine samples, and no health questions. Face amounts are between $5,000 and $25,000.

If you are a senior and looking for burial insurance, then Gerber is a great choice as they have some of the most affordable prices for guaranteed issue life insurance. Even if you are looking to purchase a life insurance policy to cover someone else (like your parent or grandparent), then Gerber is a reliable way to go.

Check out our Gerber Life review for more.

Mutual of Omaha

Mutual of Omaha (MOO) also makes our top 10 no exam life insurance companies list. MOO has a whole life burial or final expense insurance policy called Living Promise. This policy is available for applicants from 45-85 years old. The face amounts vary, ranging from $2,000 to $40,000. In order to qualify for the policy, you will need to undergo a background check which will include medical information and running your name through the prescription drug database.

One great thing about this whole life final expense policy is that it comes with an accelerated death benefit rider if you are diagnosed with a terminal illness and the doctor gives you less than a year to live. This will help you pay for the final expenses you have while still alive.

Read more on our Mutual of Omaha Review


Another great final expense life insurance policy company is Sagicor. They offer health class rates that make it really affordable for people who are healthy and even those who have some health issues. In order to qualify for Sagicor Sage NLUL Standard, you should be between 18-65 years of age. Sagicor also offers fully underwritten policies if you are between 66 and 85.

Another good thing about  Sagicor is that they have an accelerated benefit insurance rider for terminal illness or chronic illness- for free!

Find out more from our Sagicor Life Insurance Review


Transamerica has a final expense or burial whole life insurance product called Immediate Solution Standard. This has a face amount between $1000 and $50,000 for applicants under 55. If you are 55-65 years old, you can qualify for up to $40,000 of coverage, 66-75 up to $30,000 and 76-85 up to $25,000. This is a great amount for a final expense whole life insurance policy for older applicants. If you are a senior applying for a final expense whole life insurance policy, Transamerica might be a great option for you.

Read the full Transamerica Life Insurance Review

United Home Life

United Home Life offers a simplified issue product for applicants from 20-80 years old. This product is called the United Home Life Express Issue Premier. You can get a face amount from $5,000-$100,000 up until the age of 60. If you are 61-80, you can qualify for up to $50,000. This is another great option for a final expense policy for senior applicants.

Check out the United Home Life Review to know more.

Which Company and Policy is Best for Me?

So with all these companies and the different final expense and burial insurance policies to choose form you might be a bit overwhelmed.

Here is what we do-

First, we start off by talking with you. We get to know you, what your objectives are, any health or lifestyle issues that may exist, and anything else that may affect your life insurance application.

Next, we use the information you provide us to come up with a handful of different options for you. It may be that you qualify for ordinary term life or whole life insurance.

Then again, you may have some reason to prefer simplified issue no exam life insurance. The reasons can be anything from a fear of needles, not sure of your health status, or you may have an existing health condition that makes a simplified issue policy superior.

Finally, we may discover that you are best suited for a smaller simplified issue or guaranteed issue life insurance policy, where there are no exams and few, to none, health questions asked.

The bottom line is, we are here for you. That is what sets us apart.

About Us

At InsuranceBrokersUSA, we are a life insurance broker that represents many different companies. These are our top ten best whole life final expense or burial life insurance policy companies. Each of these companies may or may not be right for you. In order to know which whole life final expense and burial insurance company is right for you and your situation, please give us a call today!

0 comments… add one

Leave a Comment

three + 14 =