Life Insurance for Final Expenses
Help ensure loved ones aren't burdened with the cost of final expenses. Purchase up to $25,000 in life insurance online in minutes. Get covered instantly, acceptance is guaranteed.
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Why people love it
Get covered for life in minutes.
Instant coverage – no exams, hassles, or waiting
If you’re between the ages of 65 and 85, you’re guaranteed to be approved, regardless of any health issues. No medical exams, blood tests, health questions, or waiting. You’re covered as soon as you purchase the policy.
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Our process puts you in control
You can apply and purchase your policy online in minutes (without the pressure of sales agents). But if you'd like the help of an experienced life insurance expert, our live U.S.-based team is ready to help!
Lifetime coverage and fixed premiums
As long as you pay the premiums on time, this coverage will last your whole life. Your policy premiums are locked-in and will never go up.
How it works
Apply in minutes
Fill out the super quick online application, and you’re guaranteed to be approved instantly. No health questions or need to talk to an agent.
Choose your coverage
Choose between $10K, $15K, $20K, and $25K in coverage.
Get covered
Once you sign up for one of our flexible payment options and make your first payment, you’re covered for life.
Get an instant quote

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Explore your options
Choose the coverage amount and price that works for you. Then purchase online in minutes and get covered instantly.

The estimated monthly rate for this policy is:

Coverage amount
Term length
10 years
Rates are predetermined by age and gender
Help protect loved ones from the burden of final expenses

Give your loved ones a little extra help during a difficult time. A guaranteed lifetime insurance policy like this is designed to help your loved ones with final expenses such as medical bills, funeral costs, estate taxes, credit card debt or unpaid debt. When you pass, your family can expect to receive a cash benefit to use towards your final expenses. Note that this policy comes with a graded death benefit. If you suffer a non-accidental death within the first two years of coverage, your beneficiaries will get 100% of the level monthly premiums you paid, plus 30%. After two years, the total amount of your coverage is paid for death due to any cause.

Guaranteed Life Insurance Benefits
This coverage might be right for you if:
  • You’re 65-85 years old and looking for $10-25k in coverage
  • You want a simple process that doesn't require medical exams, lab tests, or health questions
  • You thought you couldn’t get life insurance because of your age or health
  • You want your policy to build cash value and have access to funds in an emergency
  • You don’t want your family to have to worry about your burial, funeral, debts, or final expenses
Learn more about this policy
Top-rated by customers
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"Excellent” rating from Trustpilot
Ethos has an ‘Excellent’ rating from Trustpilot with 4.8/5 stars from customer reviews.
BBB rating
A+ rating from Better Business Bureau
Ethos is rated A+ by the Better Business Bureau (BBB) with zero customer complaints.
Honest Advice. No pushy salespeople.

Our life insurance experts are available to answer all your questions. You can call, email, or chat with us if you have questions or want honest advice. Our agents are experts in finding you the coverage that best suits your family’s needs.

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See how easy and affordable it is to get covered.