Why Use SmarterSenior for Final Expense?
Protect Your Family
Spare your loved ones the financial stress of funeral costs, which average $9,000 to $12,000 in the US.
No Medical Exam Options
Simplified and guaranteed issue policies available. Most seniors qualify regardless of health history.
Affordable Premiums
Coverage starting from as little as $25 to $50 per month. Locked-in rates that never increase.
How It Works
Tell us your needs
Answer a few simple questions about coverage amount, budget, and health situation.
Get matched with agents
Licensed final expense specialists contact you within 48 hours with personalized options.
Choose freely
Review your options side by side. No pressure, no rush. You decide what is right for your family.
Choosing the Right Final Expense Policy
Did you know?
The average funeral in the United States costs between $9,000 and $12,000. Without a plan in place, families often face unexpected financial pressure during an already difficult time.
Two Main Types of Final Expense Policies
Simplified Issue (Most Common)
- A few health questions, no physical exam required
- Lower premiums than guaranteed issue if you qualify
Guaranteed Issue (No Health Questions)
- Available to everyone ages 50 to 85, no exceptions
- Ideal for seniors with serious pre-existing conditions
Estimated Monthly Premiums (age 65 to 70)
Indicative rates for simplified issue. Varies by age, gender, health, and insurer.
Frequently Asked Questions
What is final expense insurance?
Final expense insurance is a type of whole life insurance designed to cover end-of-life costs such as funeral expenses, burial, cremation, and outstanding debts. It provides a tax-free lump sum to your beneficiaries.
Do I need a medical exam to qualify?
Many final expense policies offer simplified or guaranteed acceptance with no medical exam. Simplified issue plans ask a few health questions, while guaranteed issue plans accept virtually everyone between ages 50 and 85 regardless of health.
How much coverage do I need?
The average funeral in the United States costs between $8,000 and $12,000. Most seniors choose coverage between $10,000 and $25,000 to cover funeral costs, burial or cremation, and any remaining debts or bills.
Is the matching service really free?
Yes, completely free. SmarterSenior connects you with licensed final expense agents at no cost. Agents are compensated by the insurer if you purchase a policy. You have no obligation to buy anything.
What Our Seniors Say
“I did not want to leave my kids with a financial burden. SmarterSenior found me a $15,000 policy with no medical exam for under $50 a month. My family is at peace.”
Robert J.
68, Phoenix AZ
“The agent was so kind and patient. He explained every detail and never once pushed me. I found a guaranteed acceptance plan that fit my budget perfectly.”
Barbara W.
72, Memphis TN
“After my husband passed and I saw the costs, I knew I needed to plan ahead. SmarterSenior made it simple and stress-free.”
Helen R.
74, Columbus OH
SmarterSenior is a matching service, not an insurance company or provider. We do not sell, underwrite, or guarantee any insurance policy, financial product, or service. All products and services are offered by independent, licensed professionals.