Final Expense Insurance Companies

Looking for the best final expense insurance company? We have done all the hard work for you.  Below you can find reviews of over 25 companies that offer final expense insurance and other life insurance products. Each review will give you an overview of the company including the positive and negative (if any) for each company. If you are simply looking for the best prices on a burial insurance policy you can use our instant quote engine. We search the rates of the top insurance companies based on the information you provide us.

What You Need to Know

You hear a lot about life insurance and how important having a policy is to protecting your family. You’ve most likely gotten letters in the mail from multiple different companies offering you coverage. In addition to life insurance, there is also final expense insurance, also called burial insurance. While these two products are related to the same topic, they are actually very different from one another. Knowing the differences between the two will help you to choose the best type of insurance to meet your specific needs.

A final expense, or burial, insurance policy, on the other hand, is generally designed for older individuals. These types of policies are geared towards those who may be retired, have few to no debts, and don’t have dependent children anymore. The sole purpose of final expense insurance is to pay for the cost of a funeral and other end of life expenses.

With final expense insurance the money is specifically designed to help pay for the costs of a funeral and other end of life expenses. Your family doesn’t receive a check for a lump sum following your death. Instead, the insurance company pays the funeral home for funeral, cremation or burial, and other costs. Final expense insurance can also be used to help pay for medical bills and end of life care.

How Much Does a Policy Cost?

The costs of life insurance and final expense insurance policies vary from person to person on many different factors. For life insurance, factors that impact the cost of your premiums include your age, sex, tobacco use, family history, your lifestyle, and your current health. In order to get a life insurance policy, a medical exam is required. Many of these same factors still apply for final expense insurance, although in most cases you don’t need a medical exam. These policies are also designed to be more affordable for older adults, when a life insurance policy might not make sense or might be too expensive.

Insurance policies help to provide you and your family with financial protection. Life insurance and burial insurance policies provide your family with protection following your death. With these types of policies, your family doesn’t have to worry about the high costs associated with a funeral in addition to grieving your loss. Take your time to research your options and find the best one that best suits the needs of you and your family.

Final Expense Insurance Companies

 

American Income Life Insurance Company

BBB Rating: A+

Company Headquarters: Waco, TX

Phone: (800) 433-3405

 

American Fidelity Life Insurance Company

BBB Rating: A+

Company Headquarters: Pensacola, FL

Phone: (850) 456-7401

 

American National Insurance Company

BBB Rating: NR

Company Headquarters: Galveston, Texas

Phone: (409) 763-4661

 

Americo Financial Life and Annuity Insurance Company

BBB Rating: A

Company Headquarters: Kansas City, Missouri

Phone: (816) 391-2160

 

AARP Life Insurance

BBB Rating: A+

Company Headquarters: Washington, DC

Phone: (888) OUR-AARP

 

Assurity Life Insurance Company

BBB Rating: A+

Company Headquarters: Lincoln, Nebraska

Phone: (800) 869-0355

 

Baltimore Life Insurance Company

BBB Rating: A+

Company Headquarters: Owings Mills, MD

Phone: (800) 628-5433

 

Colonial Penn Life Insurance Company

BBB Rating: A+

Company Headquarters: Philadelphia, PA

Phone: (877) 523-9100

 

Fidelity Life Association

BBB Rating: A+

Company Headquarters: Chicago, IL

Phone: (800) 369-3990

 

Foresters Financial

BBB Rating: A+

Company Headquarters: Buffalo, NY

Phone: (800) 828-1540

 

Funeral Directors Life

BBB Rating: A+

Company Headquarters: Abilene, TX

Phone: (800) 692-9515

 

Genworth

BBB Rating: B

Company Headquarters: Richmond, VA

Phone: (888) 436-9678

 

Gerber Life Insurance

BBB Rating: A+

Company Headquarters: Fremont, MI

Phone: (800) 704-2180

 

Globe Life

BBB Rating: NR

Company Headquarters: Oklahoma City, OK

Phone: (877) 577-3860

 

The Guardian Life Insurance Company of America

BBB Rating: A+

Company Headquarters: New York, NY

Phone: (888) 482-7342

 

Lincoln Heritage Life Insurance Company

BBB Rating: A+

Company Headquarters: Phoenix, AZ

Phone: (800) 438-7180

 

Mutual of Omaha

BBB Rating: A+

Company Headquarters: Omaha, NE

Phone: (800) 228-7104

 

MetLife

BBB Rating: C-

Company Headquarters: New York, NY

Phone: (800) 638-5433

 

Primerica

BBB Rating: A+

Company Headquarters: Duluth, GA

Phone: (800) 257-4725

 

Protective Life Insurance Company

BBB Rating: A+

Company Headquarters: Birmingham, AL

Phone: (800) 866-9933

 

Security National Life

BBB Rating: A-

Company Headquarters: Minnetonka, MN

Phone: (800) 328-4667

 

Stonebridge Life Insurance Company (Transamerica)

BBB Rating: B

Company Headquarters: Rutland, VT

Phone: (802) 775-8877

 

Sagicor Life Insurance Company

BBB Rating: A+

Company Headquarters: Tampa, FL

Phone: (888) 724-4267

 

Transamerica Corporation

BBB Rating: B

Company Headquarters: Cedar Rapids, IA

Phone: (800) 852-4678

 

TruStage

BBB Rating: A+

Company Headquarters: Madison, WI

Phone: (866) 363-2510

 

United Home Life

BBB Rating: A+

Company Headquarters: Indianapolis, IN

Phone: (800) 428-3001

 

Vantis Life

BBB Rating: A+

Company Headquarters: Windsor, CT

Phone: (866) 826-8471

 

5 Star Life Insurance

BBB Rating: A

Company Headquarters: Alexandria, VA

Phone: (800) 776-2322

 

*All Better Business Bureau ratings have been updated as of September 2018.