What it covers
Funeral costs, burial expenses, medical bills, and other end-of-life debts. Your family is protected when it matters most.
Final Expense Insurance. Protect Your Family.
Final expense insurance covers funeral costs and burial expenses so your family is not left with unexpected debt. Speak with a licensed agent today. Most plans require no medical exam.
- No medical exam required for most plans
- Licensed agents across the USA
- Free consultation. No obligation.
What Is Final Expense Insurance?
Final expense insurance is a small whole life policy designed to cover end-of-life costs. It protects your family from unexpected funeral bills, burial expenses, and medical debt.
Who qualifies
Most adults ages 45 to 79. Most plans require just a few health questions, not a full medical exam.
How it works
Call or fill out the form, speak with a licensed agent, choose a plan that fits your budget, and your beneficiary receives a tax-free payout.
Why it matters
The average funeral costs between 7,000 and 12,000 dollars. A final expense policy means your family focuses on grieving, not on unexpected bills.
Who We Help
For Individuals Seeking Coverage
Looking for final expense insurance? We connect you with a licensed agent.
If you want to protect your family from funeral and burial costs, a final expense policy is a simple, affordable solution. Call us and a licensed agent will walk you through your options. No pressure. No obligation.
-
01
Call or fill out the form
Reach us by phone or contact form. Tell us your state and what you're looking to cover.
-
02
Speak with a licensed agent
A licensed final expense specialist explains your plan options and answers every question, free of charge.
-
03
Get covered on your terms
No pressure. If a plan fits your budget and needs, you decide. Most plans have no medical exam.
For Licensed Insurance Agents
Need more qualified people to call? We generate leads for you.
ZipAgent sources final expense leads through outbound calls, paid ads, and direct mail. Interested individuals are directed to licensed agents. When you receive a lead, that person has already shown interest in coverage.
-
01
Tell us your licensed states
We confirm current lead availability in your markets before preparing any batch.
-
02
Choose your lead type and volume
Shared, exclusive, or real-time. We match the lead type to your team's workflow.
-
03
Start with a test batch, then scale
Review quality first, then grow into weekly delivery when the lead flow works for you.
What Happens After You Call or Fill Out the Form
When someone reaches out about final expense coverage, a licensed agent follows up to explain options and answer questions. Here are examples of how those conversations start.
Step 1. You Call or Fill Out the Form
Tell us what you need
Your name and state
What you want to cover (funeral, burial, family protection)
A good time for an agent to reach you
What happens next
A licensed final expense agent contacts you to explain your options. Clear information. No pressure.
Step 2. Speak With a Licensed Agent
Free consultation
Agent explains plan options available in your state
Coverage amounts and monthly premiums reviewed
Health questions. Most plans need no medical exam.
What you get
A clear breakdown of coverage options, monthly costs, and what's right for your situation. You decide. No rush.
Step 3. Get Covered and Protect Your Family
Coverage that fits your budget
Affordable monthly premiums for ages 45 to 79
Whole life policy. Coverage does not expire.
Beneficiary receives a tax-free payout
Peace of mind
Your family uses the payout to cover funeral costs, burial expenses, and any remaining bills without scrambling at the worst time.
50+
Ages 45 to 79 qualify
USA
State-based delivery
Free
Free consultation
For Licensed Agents. How We Generate Leads.
- Inbound. Ads, direct mail, online forms.
- Outbound. Sourced data, interested parties directed to agents.
- State-based delivery. Licensed agents only.
Lead Plans for Licensed Agents
Looking for personal coverage? Call 551-393-1555. A licensed agent will walk you through your options at no cost.
If you are a licensed final expense agent looking for leads, the plans below outline how we deliver inbound and outbound-sourced prospects to your team.
Starter Test Batch
Try inbound final expense leads before committing to weekly volume.
-
Inbound-sourced prospects (ad, mail, or form)
-
State-based availability confirmed first
-
Agreed lead type and delivery format
-
Replacement terms discussed before delivery
Start Test Batch
Weekly Agent Flow
Consistent inbound lead delivery every week in your licensed states.
-
Weekly inbound final expense lead delivery
-
State-based targeting for licensed sellers
-
Agreed lead type and filters
-
Consistent volume and reorder support
Reserve Weekly Leads
Agency Team Pack
Best for agencies with multiple producers.
-
Lead volume planning
-
State-based delivery
-
Agent/team routing options
-
Weekly reorder structure
Talk to Sales
IMO/FMO Volume Plan
Best for organizations supporting multiple agents.
-
Volume-based planning
-
State availability review
-
Team delivery coordination
-
Custom weekly schedule
Request Volume Pricing
Live and Warm Transfer Option
For telesales teams that want real-time conversations with interested prospects.
-
Available where supply allows. Ask us first.
-
State and schedule planning before starting
-
Call team coordination required
-
Custom quote based on current availability
Ask About Transfers
Ready to Get Started?
If you are looking for final expense coverage, call us now. A licensed agent will explain your options at no cost.
If you are a licensed insurance agent looking for qualified leads, tell us your states and we will check current availability.
Call or Contact Us Today
Looking for coverage? Call now to speak with a licensed agent. Looking for leads? Tell us your states and we will confirm availability. Simple and direct.
This page uses the chat widget only for SMS opt-in. Written requests (including phone and transactional SMS consent) are collected on contact.html, which does not load the chat widget. See our Privacy Policy and Terms of Use.
Frequently Asked Questions
What is final expense insurance?
Final expense insurance is a small whole life policy designed to cover end-of-life costs. It pays a tax-free benefit to your beneficiary for funeral costs, burial expenses, and remaining medical bills, so your family is not left with unexpected debt.
Who qualifies for final expense insurance?
Most adults ages 45 to 79 qualify. Coverage is available nationwide. Most plans use simplified underwriting, meaning approval is based on a few health questions, not a full medical exam. Even individuals with some pre-existing conditions may qualify.
Is there a medical exam required?
Most final expense insurance plans do not require a medical exam. You answer a short set of health questions and the licensed agent explains which plans you qualify for. Call us and we will walk you through the process. It is fast and straightforward.
How much does final expense insurance cost?
Monthly premiums vary based on your age, health, state, and the coverage amount you choose. Most plans are affordable for individuals on fixed incomes. Speak with a licensed agent to get the specific options and rates available in your state. Call 551-393-1555 for a free consultation.
What does final expense insurance cover?
The payout can be used for any end-of-life expense. Funeral and burial costs, cremation, outstanding medical bills, credit card debt, or any other financial obligations left behind. The average funeral costs between 7,000 and 12,000 dollars. A final expense policy ensures your family can handle that without financial stress.
How do I get final expense insurance through ZipAgent?
Call 551-393-1555 or fill out the contact form. A licensed final expense agent will follow up to explain your coverage options, answer questions, and help you choose a plan that fits your needs and budget. No obligation.
I am a licensed agent. How does ZipAgent generate leads?
ZipAgent uses two channels: inbound (prospects who respond to our paid ads, direct mail, and online forms) and outbound (our team sources data, contacts potential prospects, and directs interested individuals to licensed agents). Either way, the people delivered to you have already shown real interest in final expense coverage.
What states do you deliver leads in?
Lead availability depends on current campaign supply in each state. Tell us where you are licensed and actively selling, and we will confirm what is available before preparing any batch.
Can I start with a small test batch?
Yes. We recommend starting with a small paid test batch so you can review contact rate and quality before committing to weekly delivery. Most agents start with a test batch to confirm the lead type and state fit their process.
Do you replace bad leads?
Replacement terms are discussed before delivery. Depending on the agreement, replacement may apply to duplicates, disconnected numbers, wrong numbers, or leads outside agreed filters within a defined time window.