Why It Matters
Most policies require no medical exam and offer guaranteed acceptance. Everyone can get covered regardless of health.
Covers funeral services, burial or cremation, casket, flowers, memorial service, and other end-of-life expenses.
Premiums never increase. Lock in your rate today and it stays the same for life.
Benefits are typically paid within 24–48 hours of the death certificate. Fast access when your family needs it most.
Many policies offer immediate coverage with no waiting period for accidental death and a reduced waiting period for natural causes.
Don't leave your loved ones with funeral debt. The average funeral costs $7,000–$12,000 — be prepared.
How It Works
Meet with Alek Mires to discuss the arrangements you want covered, your health history, and your monthly budget.
We'll compare final expense plans from 30+ carriers, including guaranteed-issue options if health is a concern.
A short health questionnaire — no medical exam. Many applicants get a decision the same day.
Once approved, coverage begins and your family has a clear, funded plan for your final wishes.
Coverage Details
Questions
Most families choose $10,000–$25,000. Funerals in Texas routinely run $8,000–$15,000, and it helps to leave a cushion for medical bills, travel for out-of-town family, and estate cleanup.
Rarely. Final expense uses simplified underwriting, and guaranteed-issue plans accept applicants regardless of health. Those plans typically have a two-year graded benefit for natural causes.
If a policy is graded, death from natural causes in the first two years returns your premiums plus interest rather than the full face amount. Accidental death is covered in full from day one. We'll always tell you which type you're being offered.
No. The benefit is paid in cash to your named beneficiary. They can use it for the funeral, unpaid bills, or anything else they need.
No. Final expense policies are whole life with level premiums. The rate you lock in at signing is the rate you keep for life, and coverage never expires as long as premiums are paid.
Once the carrier receives the claim form and death certificate, benefits are commonly paid within 24–48 hours — fast enough to cover the funeral home deposit.
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The most coverage per dollar — often $500K for the price of a phone bill.
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