Protect Your Family
From an Unexpected Burden
What Families Are Left Paying
When a loved one passes without coverage, families scramble to cover these costs — often in the worst week of their lives.
Burial, casket, service, viewing — before any extras
Burial plot, marker, and opening/closing fees
The real total most families face, often without warning
The good news: a final expense policy can cover all of this for as little as $30–$80/month.
Rates are based on age and health — the sooner you apply, the lower your rate stays for life.
What Final Expense Insurance Covers
Your beneficiary receives a tax-free lump sum — they can use it for any immediate need, not just the funeral.
Funeral & Burial Costs
Casket, viewing, services, obituary, flowers, and burial arrangements
Cemetery Expenses
Burial plot, grave marker, opening and closing fees
Final Medical Bills
Outstanding hospital bills, hospice care, or medical debt
Outstanding Debts
Credit cards, personal loans, or other debts you don't want to pass on
Mortgage or Rent
Give your family time to get their finances in order without housing pressure
A Lasting Legacy
Leave something meaningful to a grandchild, church, or charity you love
Three Types of Final Expense Plans
Not all final expense policies are the same. We help you find the right fit based on your health history and budget.
- ✓ Full death benefit from Day 1
- ✓ Lowest monthly premiums
- ✓ Requires health questions (no major illnesses in past 2 years)
- ✓ Coverage $5,000–$25,000
- ✓ Partial benefit years 1–2, full benefit year 3+
- ✓ Moderate health questions
- ✓ Good option for some pre-existing conditions
- ✓ Coverage $5,000–$25,000
- ✓ No health questions whatsoever
- ✓ Cannot be declined for any reason
- ✓ 2-year waiting period for natural death
- ✓ Coverage $5,000–$25,000
Not sure which plan is right for you? A 15-minute conversation is all it takes to find out.
Get My Free QuoteWho Qualifies for Final Expense Coverage?
Final expense insurance is designed to be accessible — even for people who have been declined for traditional life insurance.
- ✓ Ages 45 to 85 (some carriers to age 90)
- ✓ No income requirement — retired or on fixed income is fine
- ✓ Previous health issues don't automatically disqualify you
- ✓ No physical exam or blood draw required
- ✓ Coverage available even after a recent hospitalization (GI plans)
- ✓ Licensed in 22+ states — we can help wherever you live
Sample Monthly Rates*
*Sample rates from top carriers. Actual rate based on age, state, health, and coverage amount. Call or apply online for your exact quote.
Your rate is locked the day you enroll.
It never increases due to age or health changes — and your policy can never be cancelled as long as premiums are paid.
We Shop 20+ Top Carriers So You Don't Have To
Because we're independent, we work with every major final expense carrier — and our only job is to find the best plan for your situation.
…and many more. Carrier availability varies by state.
Why Work with an Independent Agent?
When you call a company directly, you only see their plans. When you work with me, I compare plans from 20+ carriers on your behalf — and I get paid the same whether you choose the most expensive plan or the most affordable one.
My job is to find you the right plan — not the highest commission. I've helped families across Oregon and 22+ states find final expense coverage that actually fits their lives.
Get Your Free Final Expense Quote
Enter your email and Rodney will reach out within 1 business day with your personalized rate comparison — no pressure, no obligation.
Stay Informed on Medicare & Retirement
Quarterly updates on Medicare changes, Social Security strategies, and financial planning insights — curated by Rodney.
Or call us directly: 503-832-8555 · Your information is private and never sold.
Frequently Asked Questions
Yes — final expense insurance, burial insurance, and funeral insurance all refer to the same type of small whole life policy designed to cover end-of-life costs. The terms are used interchangeably in the industry.
Many people have term life insurance that expires at 65 or 70. Final expense policies are whole life plans — they last your entire life and build cash value over time. If your term policy has lapsed or is expiring, final expense coverage is often the most accessible and affordable option.
You may still qualify. With guaranteed issue plans, there are no health questions whatsoever — acceptance is 100% guaranteed for ages 45–85. With graded benefit plans, many common health conditions are accepted. We'll find the right fit.
Most policies can be issued within 1–3 business days. Some carriers offer same-day coverage for level benefit plans. Guaranteed issue plans typically have a 2-year waiting period for death from natural causes — accidental death is usually covered from Day 1.
Yes. Every final expense policy has a free look period of 10–30 days depending on the state and carrier. If you cancel within the free look period, you receive a full refund of any premiums paid.
We're based in Oregon and licensed in 22+ states including Washington, California, Arizona, Nevada, Texas, Idaho, Montana, Colorado, and more. Call or apply online regardless of which state you're in.
Absolutely — in fact, many of our Medicare clients add final expense coverage as a natural complement to their Medicare plan. We also offer Social Security optimization analysis for clients approaching retirement age.
Serving Clients Across 22+ States
Final expense coverage available wherever you call home.
Give Your Family the Gift of Peace of Mind
A 15-minute call is all it takes to see your options. No pressure, no obligation — just honest advice from an independent agent who works for you, not an insurance company.
Rodney Cummings · OR License #18847712 · Licensed in 22+ States · Happy Valley, Oregon
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