Cover your funeral and final bills so your family is not left paying for them. Final expense insurance in Colorado is small, affordable whole life coverage that never expires, with no medical exam on most plans and a rate locked in for life.
Final expense insurance, sometimes called burial insurance, is a small whole life policy built to cover funeral costs, medical bills, and other end-of-life expenses.
Coverage usually runs between 5,000 and 25,000 dollars. It never expires as long as you pay the premium, the rate is locked in for life, and the benefit is paid to your family tax free to use however they need. Per the National Funeral Directors Association, a funeral with burial now runs around 8,000 dollars or more, which is exactly the bill this coverage is designed to take off your family's shoulders.
Built for seniors. If you are on a fixed income, the locked rate means your premium never goes up.
Simplified issue accepts many conditions, and guaranteed issue accepts applicants 50 to 85 with no health questions at all.
So the person you leave behind is not choosing between grief and a stack of bills.
A short, patient phone call. You tell me your age, your health, and the coverage you have in mind. No pressure.
I compare A-rated carriers licensed in Colorado and find the one most likely to approve you at the best rate.
Most plans approve with a few health questions and no exam, often the same week. We file it together.
Simplified issue asks a few health questions, no medical exam, and the full benefit is usually available right away. It is the best value for most people and the first thing we check.
Guaranteed issue asks no health questions and accepts applicants 50 to 85, which makes it a fit if you have been declined elsewhere. The honest trade-off: it costs more, and it typically has a waiting period of two to three years before the full benefit is paid (if you pass during that window, your family gets your premiums back plus interest, not the full amount). I will only steer you here if it is genuinely the right fit.
I am licensed in Colorado and 26 other states, brokered through Family First Life, with access to more than 20 A-rated carriers. Different carriers price age and health very differently, so I find the one most likely to say yes at the best rate, instead of selling you the one product a single company offers. Premiums rise as you age, so the sooner you lock a plan, the lower your rate stays for life.
Not captive. I compare carriers and bring you the fit, not a pitch.
Colorado license 942810, NPN 22121673. Verifiable through the National Insurance Producer Registry.
It depends on your age, your health, and how much coverage you want. Most plans are small whole life policies between 5,000 and 25,000 dollars, and many seniors pay a modest amount each month for a rate locked for life. The only way to know your number is a free quote.
Usually no. Most final expense plans are simplified issue, meaning a few health questions and no exam, often with coverage the same week. Guaranteed issue plans ask no health questions at all.
There are still options. Simplified issue accepts many common conditions, and guaranteed issue accepts applicants 50 to 85 with no health questions. Guaranteed issue plans typically have a two to three year waiting period before the full benefit is paid, so we use them only when they fit.
The benefit is paid to your family tax free and they can use it for anything: funeral and burial costs, medical bills, small debts, or daily expenses. It exists so your family is not left paying the bill.
Most families choose enough to cover a funeral plus a small cushion. A funeral with burial runs around 8,000 dollars or more, so coverage between 10,000 and 20,000 dollars is common. We will look at your situation together.
A short, no-pressure call to find the right plan at the best rate for your age and health. Want the bigger picture first? See how no-exam coverage works or our life insurance options for families.