The average funeral costs more than $9,000.
Does your family have that saved?
Final expense coverage helps ensure the people you love aren't left scrambling to pay for funeral costs, medical bills, or other end-of-life expenses during an already difficult time.
Health issues don't always mean you can't get coverage. Options may still be available even if you've had a heart attack, stroke, cancer, COPD, diabetes, or have been declined before.
✓ No Medical Exam Options · Coverage Available for Many Health Conditions · Guaranteed Issue Options Available
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What My Clients Are Saying
Real reviews from real clients
"Mr Kirt Patel treated me with kindness and got me the best deal he could on my life insurance. I am forever grateful because I don’t know a lot on this subject. He took his time and explained things and did not pressure me into buying anything. I believe that is one of the things I liked about him. I do not like being pressured. Thank you again Mr Patel"
"My name is Lisa and I am from Boston, MA. Just wanted to share my experience with everyone on how grateful I am to have had the honor of allowing Kirt Patel to guide me through the kind of life insurance I was able to receive … and let me tell you not only was he pleasant very professional patient and kind, he also became a friend after our many conversations… I would recommend anyone in the need of life insurance, reach out to Kirt he will absolutely take very good care of you and that is my advice!!"
"For anyone that is considering getting life insurance, Kirt Patel is definitely the guy you want to do business with. I really just didn't want to think about dying. However, death is inevitable. I am on a very limited income and wasn't even sure I could afford enough coverage. Kirt found a policy that I can afford. And made me smile and even laugh while doing it! I highly recommend giving Kirt Patel a call."
The Reality
Without a plan, your family is left with the bill.
Most people don't think about this. But when someone passes away without final expense coverage, their family is immediately responsible for every cost — while they're still grieving.
Funeral and burial costs averaging $7,000–$15,000
Outstanding medical bills and hospital costs
Legal fees, estate costs, and probate expenses
Credit card debt and remaining loan balances
What Is This?
Final expense insurance is simple, permanent life insurance designed to cover end-of-life costs.
Unlike traditional life insurance, final expense policies are specifically designed to be easy to qualify for, affordable on a fixed income, and permanent — meaning coverage never expires.
Covers funeral & burial costs
Your beneficiary receives a tax-free lump sum payment they can use for cremation, burial, funeral services, and any other final expenses — without going into debt.
Living benefits if critically ill
Most policies include living benefits. If you're diagnosed with a critical, chronic, or terminal illness, you can access a portion of your benefit while you're still alive to cover any expenses.
Coverage never expires
Final expense is whole life insurance — as long as you pay your premium, your coverage stays in place for life. No renewals, no surprises, no lapses.
More affordable than you think
Plans start around $30 to $50 per month depending on your gender, age, health, and coverage amount. Most people on a fixed income can comfortably maintain coverage without straining their budget.
No Medical Exam Required
Most final expense plans require only a few health questions — no blood tests, no physicals, no waiting weeks for lab results. Many people who were declined for traditional life insurance qualify easily for final expense coverage. If you have health issues, you can still likely get covered.
How It Works
Simple. Fast. No pressure.
Getting protected doesn't have to be complicated. Here's exactly what happens when you reach out.
You Request a Free Review
Fill out the short form below. Just your basic info — takes less than 2 minutes.
We Talk Through Your Options
Kirt personally reviews your situation and shops multiple A-rated carriers to find the best fit for your budget and health history.
You Get Protected
Coverage can be in place same day in many cases — with no medical exam. Your family is protected and you have peace of mind.
Is This For You?
You should consider final expense coverage if…
You don't want your children or spouse responsible for your funeral costs
You're on a fixed income and need affordable, predictable coverage
You've been declined for traditional life insurance due to health issues
Your existing life insurance has lapsed, expired, or isn't enough
You want to leave behind something — not debt — for the people you love
You want permanent coverage that never expires as long as you pay your premium
⏰ The longer you wait, the more you'll pay. Final expense premiums are locked in at the age you apply. Every year you wait means a higher monthly premium for the same coverage. Locking in your rate now guarantees your current price for life.
Common Questions
Answers before you reach out
Your Agent
Kirt Patel
Licensed Life Insurance Broker · 9 States
I got into insurance because I saw firsthand what happens to families who aren't prepared. The emotional weight of losing someone you love shouldn't also come with a financial crisis.
As an independent broker, I'm not tied to one carrier. That means I shop the market on your behalf and find coverage that fits your life, your budget, and your health history — not a one-size-fits-all policy.
My goal is simple: make sure the people you love are never left scrambling when they're already hurting.
A-Rated Carriers We Work With
Credentials
Licensed in 9 States
Fully licensed and in good standing across all states where coverage is offered. Click any license to view it in full.
Learn About Your Options Today
Most applicants qualify same day. No medical exam. No obligation. Kirt will personally reach out within 24 hours to walk you through your options.
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No medical exam · Most people qualify