Pricing & options guide
Final expense options and pricing, side by side
Four applicant profiles, four honest paths — how the tiers and published costs translate into real decisions.
Calls may be recorded for quality and matching purposes.
The four profiles
- Healthy 64-year-old, no coverage — level benefit, sized from local funeral pricing; the published $40–$90/mo band for $10K is the neighborhood
- 68-year-old with managed conditions — tier-test across carriers; many questionnaires still yield level, others graded — the spread justifies the shopping
- Serious health history, mid-70s — guaranteed issue as the legitimate last resort, eyes open on the two-year modified period
- Veteran with partial burial benefits — count VA benefits first, insure only the honest remainder
Running your own comparison
Size the need from real local costs, test the best tier your health allows across multiple carriers, demand the five checklist answers in writing, and involve family before signing. The choosing checklist and scam guide cover every step.