Affordable burial insurance with guaranteed acceptance options. No medical exam, premiums that never rise, and benefits paid within 24 hours.
Final expense (burial insurance) is a whole life policy designed to cover end-of-life costs: funeral services, burial, cremation, medical bills, or outstanding debts. With coverage from $5k to $50k, it gives families immediate financial relief.
No medical exam, fixed monthly payments, and benefits are paid tax-free. Most clients get approved within 24 hours.
✓ Premiums start from just $15–$45/month
✓ No medical exam & guaranteed acceptance options
✓ Lifetime rate lock — never increase
✓ Cash value that grows over time
✓ 24–48 hour claim payout to beneficiaries
Simple, dignified coverage that puts your family first
Pay as little as $20/month for meaningful coverage. Your rate is locked forever — no surprises as you age.
Skip the needles and labs. Just answer a few health questions — guaranteed issue plans have no health questions at all.
Get approved same-day in most cases. Your family is protected from the moment your policy is active.
Average funeral costs $7k–$12k. Final expense covers everything: service, casket, grave, headstone, and more.
Over time, your policy builds cash value you can borrow against if needed — extra financial flexibility.
Your loved ones won't have to scramble for funds. They can focus on grieving, not paying bills.
See why burial insurance makes sense for seniors
| Feature | Final expense | Traditional life |
|---|---|---|
| Coverage amount | $2k – $50k | $100k+ |
| Medical exam | No – simplified or guaranteed | Usually required |
| Approval time | 24 hours to 1 week | 4–8 weeks |
| Premium stability | Lifetime locked rate | May increase or term ends |
| Age limit | Up to 85 | Often 65–70 max |
| Monthly cost | $15 – $90 | $50 – $300+ |
worry about affording final expenses for themselves or parents.
Includes viewing, burial, and ceremony expenses.
Most carriers accept applicants in this range, no exam.
Fast claim payment when your family needs it most.
Stress‑free, transparent, and fast.
Answer basic questions (no medical exam). Takes under 10 minutes.
Most applicants get instant decision. Same-day coverage available.
Pay fixed monthly premium & rest easy knowing family is secure.
Contact us at info@hsservies.com
