Serving All 50 States · No Medical Exam Required

Protect Your Family
from Final Expense
Costs — Starting at $1/Day

Final expense insurance ensures your loved ones won't be left struggling with funeral costs, medical bills, or outstanding debts. Get a free quote in under 2 minutes — no exam, no hassle.

No Medical Exam
100% Free Quote
Coverage Ages 45–85

Top carriers we work with

Mutual of Omaha
Americo
Gerber Life
AIG
Transamerica

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✔ Results in 60 seconds · No obligation

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50,000+
Families Protected
All 50
States Covered
A+ Rated
Carrier Partners
$0
Cost to Get a Quote
2 Min
Average Quote Time
Why Instant Health Guide

Everything Your Family Deserves — At a Price You Can Afford

We compare dozens of top-rated carriers to find you the lowest rate with the right coverage. No pushy sales tactics — just honest guidance.

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No Medical Exam Required

Qualify for up to $50,000 in coverage with just a few simple health questions. No blood tests, no doctors, no delays. Approval can happen same-day.

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Rates Starting at $1/Day

Affordable final expense plans are available for individuals between 45 and 85 years old. Lock in your rate today — it never increases once your policy is issued.

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Top-Rated Carrier Partners

We work exclusively with A-rated insurance companies including Mutual of Omaha, Americo, Gerber Life, AIG, and Transamerica — so your family is always protected.

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Guaranteed Coverage for Life

Your final expense policy is a permanent whole life plan — it can never be cancelled as long as premiums are paid. Your beneficiaries receive tax-free cash benefits.

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Dedicated Licensed Agents

Our licensed insurance specialists across all 50 states are here to walk you through every step. We work for you — not the insurance companies.

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Fast & Hassle-Free Process

From quote to coverage in as little as 24 hours. Our streamlined process means less paperwork and more peace of mind for you and your loved ones.

What's Covered

One Policy. Total Peace of Mind.

Final expense insurance — also called burial insurance — is a permanent whole life policy designed to cover the costs that come with end-of-life. Your family receives a cash benefit they can use however they need it most.

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Funeral & burial costs
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Medical & hospital bills
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Outstanding debts & loans
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Cremation expenses
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Probate & legal fees
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Family living expenses
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$9,420
Average US Funeral Cost
Ages
45–85
Eligibility Range
$50K
Max Coverage Amount
24 hrs
Approval Timeline
💡 The average American family takes on $10,000+ in final expenses. Final expense insurance can eliminate that burden entirely.
Common Questions

Frequently Asked Questions

Still have questions? Our licensed agents are happy to help — call us anytime at (480) 762-0561.

What is final expense insurance?
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Final expense insurance is a type of permanent whole life insurance policy designed specifically to cover end-of-life costs such as funeral expenses, burial fees, medical bills, and outstanding debts. The benefit is paid directly to your beneficiary as a tax-free cash lump sum that they can use as needed.
Do I need a medical exam to qualify?
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No! Most of our final expense plans require no medical exam whatsoever. You simply answer a few straightforward health questions on the application. Even individuals with certain health conditions like diabetes, COPD, or high blood pressure can often qualify. Guaranteed issue plans are also available for those with more significant health histories.
How much coverage do I need?
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The average funeral in the United States costs between $8,000 and $12,000. When you factor in medical bills, outstanding debts, and other expenses, many families find that $15,000–$25,000 in coverage provides adequate protection. Our licensed agents will help you determine the right amount based on your specific situation and budget.
How much does final expense insurance cost?
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Premiums vary based on your age, gender, health history, and the amount of coverage you choose. Many of our clients pay as little as $30–$60 per month for meaningful coverage. Once your rate is locked in, it never increases — ever. Use our quote form above to get your personalized rate in 60 seconds.
Can my policy be cancelled?
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No. As long as you continue paying your premiums, your policy cannot be cancelled by the insurance company — regardless of changes in your health. This is one of the most powerful features of a final expense whole life policy.
How long does it take to get approved?
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Most of our clients receive approval within 24 to 48 hours after submitting their application. In many cases, same-day approval is possible. Once approved, your coverage begins immediately — giving you and your family instant peace of mind.
What states do you serve?
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Instant Health Guide serves all 50 states across the United States. Our network of licensed agents ensures you receive expert, local-level service no matter where you live. Simply select your state in the quote form and we'll match you with the right plan available in your area.

Don't Leave Your Family with the Bill

Get a free, no-obligation quote today and protect the ones you love — starting as low as $1 a day.

Get My Free Quote → 📞 Call (480) 762-0561