Final expense quote
Request a final expense quote.
Six brief questions help a licensed advisor match you to a simplified-issue whole life policy designed for funeral and end-of-life expenses. Most applications receive a decision within 24 to 72 hours.
Prefer to talk first? Call now.
Many of our final expense clients prefer a phone conversation over filling out a form. A licensed advisor walks through the questions with you and answers anything you're not sure about.
Office hours: Monday – Friday, 9:00 AM – 7:00 PM Eastern.
What happens after you submit
What happens next:a licensed advisor reviews your responses, identifies which underwriting tier (Level, Graded, or Guaranteed Issue) you qualify for based on your health responses, and follows up by phone with options. We do not pressure clients; there's no obligation to enroll.
Independent multi-carrier shop. We work with Mutual of Omaha and other top-rated carriers on final expense products. Carrier and product depend on your state and underwriting tier.
Senior consumer protection. We follow the senior solicitation rules adopted by California, Florida, Texas, and Ohio (and others where applicable). You may request to end communication at any time.
We never sell your information. See our privacy policy.
Independent licensed brokerage. NPNÂ 19291077 | Licensed in 22+ states.
Educational content. This content is for educational purposes. Insurance products are subject to underwriting; rates and availability vary by health, age, state, and carrier.
Underwriting tiers. Final expense policies have multiple underwriting tiers based on health questions: Level pays the full death benefit from day one, Graded pays a partial benefit during the first 1-2 policy years then full benefit, Guaranteed Issue pays a return of premium during the first 2-3 years then full benefit. The tier you qualify for depends on your responses during application.
Senior consumer protection. We follow senior solicitation rules adopted by states that have implemented them. We do not use artificial urgency, fear framing, or high-pressure tactics. Phone calls may be recorded for compliance purposes per state law.
This is a solicitation for insurance. Empathy Insurance Advisors is an independent licensed insurance brokerage (NPNÂ 19291077). We are not connected to or endorsed by the U.S. government. See our Terms and Disclaimers for full life insurance disclosures.