Final expense insurance
Cover your funeral costs, not your family.
A small whole-life policy with simplified underwriting, designed to cover end-of-life expenses — typically $2,000 to $50,000 in coverage.
- No health exam required
- Fixed rates that never increase
- Benefits that never decrease
Product Request Details
- Information focus
- Final Expense
- Published by
- Michael Pfeil
- Request path
- Direct to the agent
- Profile status
- Active Public Profile
A clear path forward
How It Works
Start with your situation, review relevant options, and decide what fits.
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01
Identify your wishes
Funeral, burial, or cremation preferences set the coverage target.
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02
Review health questions
Match simplified, guaranteed, or graded plans to your health profile.
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03
Lock the policy
Choose an A-rated carrier and keep a simple plan in place.
Product education
Why This Coverage Matters
Covers funeral, burial, and end-of-life costs.
Ask Michael Pfeil About This Coverage-
No health exam required
Approval is based on a short health questionnaire, not a medical exam.
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Fixed rates that never increase
Premiums are designed to stay level for life.
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Benefits that never decrease
The coverage amount your family counts on doesn't shrink.
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Coverage up to $50,000
Sized for funerals, medical bills, and small debts — not oversized premiums.
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Fast beneficiary payout
Claims are generally paid directly to the person you choose.
Illustrative information
Sample Monthly Rates
$10,000 coverage, non-tobacco. Exact quotes vary by carrier and underwriting.
| Age | Female | Male |
|---|---|---|
| 50 | $24/mo | $31/mo |
| 60 | $34/mo | $45/mo |
| 70 | $58/mo | $78/mo |
| 80 | $118/mo | $152/mo |
Know before you apply
Common Questions
Get plain-language context before discussing your individual situation.
- What can the death benefit be used for?
- Anything your beneficiary chooses — funeral services, caskets or cremation, medical bills, nursing home costs, obituaries, flowers, or outstanding debts.
- How much does a funeral actually cost?
- The average funeral runs roughly $7,000 to $12,000, and cremation typically costs only about 15% less than burial once services are included.
- Will I need a medical exam?
- No. Simplified-issue plans use a short questionnaire. Guaranteed-issue plans skip health questions entirely, and modified or graded plans typically include a two-year waiting period.
- Can my rate go up later?
- Whole-life final expense policies are designed with level premiums that never increase.
- Doesn't Medicare cover end-of-life costs?
- Medicare leaves gaps — out-of-pocket medical bills, plus legal and probate costs, can surprise families on top of funeral expenses.
Direct agent request
Request a Final Expense Quote
Share a few details and your request will go directly to Michael Pfeil.
- Private request
- Direct to agent
- No obligation
Tell Michael Pfeil What You Need
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