Straight answers about final expense coverage
No hype and no runaround. Answer a few questions, then talk it through with a licensed agent who tells you exactly where you stand.
- 1 Answer a few questions
- 2 Pick your own call time
- 3 Joshua calls at that time
Here is exactly what happens after you hit submit
No surprises, in order. That's the whole deal.
- Right now
You answer the questions
About three minutes. No paperwork, nothing to look up, and no bank or card details.
- Next screen
You pick your own time
A calendar comes up and you choose the day and time for your call with Joshua. You're picking the slot. Nobody is assigning you one.
- At the time you picked
Joshua calls you
One licensed agent, the same person named on this page. Not a call center, and not a recording.
- On the call
You get real numbers
Roughly fifteen minutes. They go through your answers, tell you which plans you qualify for, and what each one costs.
- After that
You decide, on your own clock
Nothing is signed on the call unless you want it to be. Plenty of people take the numbers, think it over, and talk to family first.
And what will not happen
You're handing a stranger your phone number to talk about what happens after you're gone. That deserves a straight answer about what you're signing up for.
- Joshua won't ask for your bank account or card to tell you what you qualify for.
- Nobody needs your Social Security number to give you a price.
- Nothing gets decided on the first call. You'll have the numbers in front of you before you choose anything.
- Tell Joshua you're not interested and Joshua stops calling. You don't owe anyone an explanation.
What actually decides your price
Four things, and none of them are a secret.
Your age
The single biggest factor. Rates are set by your age on the day you apply.
Your health
Your health decides which plans will take you, and whether the full benefit starts right away or after a waiting period.
How much coverage
A $10,000 policy costs less than a $25,000 one. Most people work backward from what they can comfortably pay each month.
Which carrier
Different carriers price the same person differently, sometimes by a lot. Which is why it pays to have someone compare them for you.
Straight answers
Why do you need my phone number?
Prices depend on your age, your state, and your health. Nobody can give you a real number without going through those with you. That's what the fifteen minutes with Joshua is for — real figures instead of a guess.
What does final expense insurance actually mean?
It's a smaller life insurance policy, usually between $5,000 and $25,000. It's meant to cover funeral costs, final medical bills, and small debts. The money goes to whoever you name, and they can use it for anything.
I have health problems. Am I wasting my time?
Probably not. This category exists specifically for people with health history, including plans that ask no health questions at all. Your health changes which plan fits and what it costs, not whether anything's available.
Is there a waiting period?
Some plans have one and some don't, and it depends on your health answers. That's exactly the kind of thing Joshua will tell you straight on the call, before you decide anything.
What does it cost to find out?
Nothing. There's no cost to see what you qualify for and no obligation to buy. Agents are paid by the carrier if you choose to take a policy.
Three minutes to find out where you stand
Then a real call, at a time you pick, with a person whose name is on this page.
See if I qualifyThis website is not affiliated with, endorsed by, or sponsored by Facebook or Meta Platforms, Inc. Facebook is a registered trademark of Meta Platforms, Inc. This is a private insurance marketing website and is not affiliated with, endorsed by, or sponsored by Medicare, the Social Security Administration, or any other government agency. Coverage is offered through licensed insurance carriers; availability, benefits, eligibility, premiums, and any waiting periods vary by state, carrier, age, and health, and are subject to the terms of the actual policy issued. "No medical exam" refers to plans that do not require one; it does not guarantee approval, and health questions may affect eligibility and pricing. Nothing on this page is a guarantee of coverage, price, or acceptance. This page is for general information and is not medical, legal, or tax advice. This is a solicitation of insurance; coverage is offered through licensed insurance agents/producers. By submitting the form you agree to be contacted as described in the consent you provide.