The average funeral costs $8,000-$12,000. Final expense insurance is affordable coverage designed to protect your loved ones from that burden — with no medical exam for most applicants.
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Envero Life LLC is not affiliated with or endorsed by the U.S. government, Social Security Administration, or federal Medicare program. Coverage and rates vary by carrier, state, age, and health.
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Why Families Choose Final Expense Coverage
Most families are surprised to learn that Medicare and Social Security do not pay for funeral or burial expenses.
Tell us your age, state, and general health so we can match you with the right carriers.
A licensed agent presents your best options and answers any questions — no pressure, no obligation.
Choose the plan that fits your budget, and coverage can often begin within days of approval.
You're between the ages of 50 and 85
You want to protect your family from funeral and burial costs
You've been declined for other life insurance due to health history
You want fixed, affordable premiums that never increase
You want coverage that doesn't require a medical exam
You want peace of mind without a lengthy application process
Most final expense policies do not require a medical exam — just answers to a few health questions. Some guaranteed-acceptance options require no health questions at all.
Most people choose coverage between $5,000 and $25,000, depending on funeral costs in their area and any other expenses they want covered, like outstanding medical bills.
No. Final expense policies typically have a fixed premium that's locked in for the life of the policy — it will never increase due to age or health changes.
No. Envero Life LLC is not affiliated with, endorsed by, or acting on behalf of the U.S. government, the Social Security Administration, or the federal Medicare program. This is private insurance coverage.
Many applicants are approved within a few business days, and some guaranteed-acceptance policies can be approved even faster since no health questions are involved.