Don't Leave Your Family Paying for Goodbye
get up to $30,000 coverage
Lock in affordable coverage designed to handle funeral costs, medical bills, and remaining debts so your family can focus on memories, not money.
Plans available for ages 50–85
No medical exam—answer a few simple questions
Rates never increase and coverage never decreases
Lock in your rate today and give your family peace of mind for tomorrow.
Takes about 60 seconds. No SSN required to see your quote.
Step 1 of 2 · Quick quote
See how little your loved ones may need to pay
Answer a few questions to see your estimated monthly rate and coverage options.
By clicking "Get My Quote", you agree to be contacted about final expense insurance options. This is not an application for coverage.
Trusted by families across the country
Protect your family from unexpected final expenses
Final expense insurance is a small, permanent life insurance policy designed to cover end-of-life costs—so your loved ones aren’t left with the bill.
Covers key final costs
Help cover funeral services, burial or cremation, medical bills, and small debts so your family doesn’t have to.
Affordable, predictable rates
Choose a monthly payment that fits your budget. Your rate is locked in—no surprises as you age.
Coverage that lasts a lifetime
As long as premiums are paid, your coverage is designed to stay in force when your family needs it most.
Simple, guided, and stress-free
We cut out the confusion and get right to what matters: a plan that protects your family and fits your budget.
Average time to see options: under 2 minutes.
How LegacyCare works
A quick, respectful process designed for seniors and their families.
1. Answer a few questions
Share your age, state, and a bit about your health. No medical exams or nurse visits.
2. Review your options
See estimated monthly rates and coverage amounts from top-rated carriers in your area.
3. Get covered with help
A licensed specialist will answer your questions and help you complete the application if you decide to move forward.
“Now I know my kids won’t be scrambling to pay for my funeral.”
“LegacyCare walked me through everything in plain language. I picked a plan that covers my funeral and a bit extra for my grandkids. The payment fits right into my monthly budget.”
Mary H., 72, LegacyCare policyholder
Individual experience may vary. Quotes and availability depend on your health and state of residence.
Why families choose LegacyCare
- Specialized in final expense coverage for seniors
- Access to multiple A-rated insurance carriers
- Licensed agents who work at your pace, not on commission pressure
- Clear explanations of waiting periods and benefits
Our promise: we’ll always recommend what we’d want for our own family.
What affects your final expense rate?
To give you an accurate quote, we look at a few key details—without invasive exams or long forms.
Age & gender
Your current age and gender help determine base pricing.
Health & tobacco use
Simple health questions help us match you to the right carrier and plan type.
Coverage amount
You choose how much coverage you want—typically between $5,000 and $30,000.
You’re not buying anything today—just learning what’s available to you.
Common questions about final expense insurance
If you’re unsure whether this coverage is right for you, these quick answers may help.
Still have questions? Start your quote and a licensed specialist can walk you through everything step-by-step.
What exactly is final expense insurance?
Final expense insurance is a small whole life insurance policy designed to cover funeral and burial costs, medical bills, and other end-of-life expenses. Unlike large life insurance policies meant to replace income, final expense policies focus on taking care of immediate costs for your family.
Do I have to take a medical exam?
Most final expense plans do not require a medical exam. Instead, you answer a short series of health questions. Based on your answers, we match you to plans that fit your situation—often with same-day decisions.
Can I be declined for health reasons?
Some health conditions may limit which plans you qualify for, but many carriers offer “graded” or “guaranteed issue” plans designed specifically for people with health challenges. That’s why it helps to speak with a specialist who can shop multiple carriers for you.
Will my premiums ever go up?
With most final expense policies, your monthly premium is designed to remain level for the life of the policy—no increases as you get older and no decreases to your coverage amount as long as premiums are paid on time.
Can my family use the money for anything?
Yes. Your beneficiary receives the policy’s death benefit in a lump sum and can use it for funeral costs, medical bills, debts, travel, or anything else they need during a difficult time.
Give your family the gift of peace of mind
Take the next step now—while it’s on your mind. See what final expense coverage could look like for you in just a minute or two.
There’s no obligation and no commitment. You’ll simply see personalized options and can decide if any feel right for you.
Takes about 60 seconds. No credit card required.
Licensed in most U.S. states. A licensed agent may contact you to discuss your options and complete your enrollment if you choose to apply.
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MIS Insurance / Final Expense is an independent insurance agency. We are not connected with or endorsed by the U.S. Government or the federal Medicare program. Product and feature availability varies by state and carrier. This website is a solicitation of insurance.