Final expense coverage for the people you love
A small, affordable life insurance policy that pays for the funeral, the burial, and the last bills — so your family can grieve instead of fundraise. No medical exam. No pressure. Just an honest conversation.
What it pays for
One check, delivered fast, when your family needs it most
Funeral & burial costs
Services, casket or cremation, cemetery plot, headstone, flowers and transportation. The average funeral now runs $8,000 to $12,000.
Final medical bills
Hospital balances, hospice care and prescriptions that Medicare and supplements leave behind.
Everyday loose ends
Credit cards, rent or mortgage payments, and the small debts that fall to whoever is left holding the paperwork.
A little left over
Whatever isn't spent goes straight to your beneficiary, tax-free, to use however they need.
Family owned for over 20 years
We shop the carriers. You keep the peace of mind.
Our dedicated staff of insurance professionals is here to help you secure a policy that protects the people you love. With a vast knowledge of our many carriers, we shop for the best final expense policy to suit your needs and your budget — and we clarify any questions or concerns along the way.
Shopping for insurance can be difficult. Our staff does the work for you, and treats every person with the respect and compassion this decision deserves.
- Ages 50 to 85
- Most of our clients qualify, even with common health conditions.
- No medical exam
- A few health questions on the phone. No doctor visits, no lab work.
- Rates never go up
- Your premium is locked in for life, and the coverage never expires.
- Coverage from $2,000 to $50,000
- Pick a benefit that fits the budget, not the other way around.
How it works
Four simple steps, start to finish
- 01
Call or send us a note
Tell us a little about your age, your health, and what you'd like covered.
- 02
We shop your options
We compare final expense carriers and bring you the plans that actually fit.
- 03
Answer a few questions
Most applications take about fifteen minutes over the phone. No exam.
- 04
Coverage in place
Many policies are approved same day, and your family is protected for life.
Common questions
Straight answers, no sales pitch
Is this the same as regular life insurance?
It's a whole life policy, just smaller. It's built to cover end-of-life costs rather than replace decades of income, which is why the premiums stay affordable.
Can I be turned down for my health?
Rarely. Most final expense plans ask a short list of health questions, and we work with carriers that accept diabetes, heart conditions, and other common issues.
How much does it cost?
It depends on your age, your health, and the benefit amount you choose. Many of our clients land between $40 and $100 a month. We'll give you real numbers, not a guess.
How does my family get the money?
Your beneficiary files a claim with the carrier and typically receives the benefit within days — often before the funeral home invoice is due.
What clients say
"I feel confident that my family is covered in a way we need to be, thanks to the helpful insight and direction from America's Choice."
"She was extremely thorough and saved me a lot of money. She explained everything in great detail with no pressure sales. I do not hesitate in highly recommending Anna."
"Anna and the entire staff were extremely accommodating and helpful. Every time I had a question or needed help she was there."
We are here for you.
Tell us a little about yourself and we'll bring you final expense options from carriers we trust. There's never any obligation, and you'll always talk to a real person.
(708) 453-4312