The average funeral costs more than $9,000.
Does your family have that saved?
Final expense life insurance helps protect your loved ones from the financial burden of funeral expenses, final medical bills, and other end-of-life costs—so they can focus on what matters most instead of worrying about how to pay for everything.
Even if you've experienced health issues like a heart attack, stroke, cancer, COPD, diabetes—or you've been declined in the past—you may still qualify for coverage. I'll help you explore the options available based on your unique situation.
Get My Free Final Expense Review✓ No Medical Exam Options · Many Health Conditions Accepted · Guaranteed Issue Plans Available
Why Families Trust Generis
Complimentary Final Expense Review
Let's Find the Right Coverage for You and Your Family
I'll personally compare multiple insurance companies, answer your questions, and help you understand your options. There's no obligation and no pressure—just honest guidance to help you make the right decision.
You'll hear directly from me after you submit your request.
Kind Words From the Families I've Helped
Real reviews from real clients across Google and Facebook. Every family below trusted me to help protect what matters most.
One day I get a call planned on not answering the call figured it was another sales call trying to get me to buy health insurance life insurance etc. but glad I did. Kirt was not pushy at all. Especially knowing that I was with another company that was not caring at all but just wanted my money. He helped me get a policy that I could afford for my wife and I enough to bury us and not cost the kids or grandkids any worries. He and I worked together for a few months. He did not push me into buying anything till I was ready. Thanks Kirt for relieving my worries getting me a policy at my age when I’m very close to retirement and would lose my company policies. I feel a heavy weight off my shoulders. Spread the news there is a great agent in town and he wants to help get you the best policy that fits your needs and wallet. Kirt wish you could help me buy home owners insurance I know you would get me a better policy for a better price. Thanks Kirt you’re the best!!!
This Young Man has been nothing but attentive to me making sure I understand exactly what I should expect from the insurance I am signing up for... GREAT DISPOSITION... Anybody should be honored to have a insurance person as giving as Kirt...
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.
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 to get myself buried. I didn't want my family members having to deal with that when I passed. Kirt found a policy that I can afford and that will cover my burial costs. And made me smile and even laugh while doing it! I highly recommend giving Kirt Patel a call.
The Reality
The last gift you leave your family shouldn't be a financial burden.
Losing someone you love is difficult enough. The last thing your family should have to worry about is paying for funeral expenses, final medical bills, or other unexpected costs while they're grieving.
Make expensive financial decisions during one of the hardest moments of their lives.
Use savings or emergency funds that were meant for their own future.
Put funeral costs on credit cards or take out loans just to cover the basics.
Carry unnecessary financial stress while trying to mourn and support one another.
Final expense insurance helps provide the financial support they need so they can focus on each other instead of unexpected bills.
What Can It Help Cover?
Your beneficiary decides how the money is used.
Final expense life insurance pays a tax-free benefit directly to the person you choose. They can use the money however it's needed most—whether that's paying for funeral costs, covering bills, or simply giving your family financial breathing room during a difficult time.
Funeral & Memorial Services
Burial, cremation, funeral services, flowers, transportation, and other end-of-life arrangements.
Final Medical Bills
Hospital expenses, hospice care, prescriptions, and other remaining medical costs.
Outstanding Bills
Credit cards, personal loans, utilities, or any remaining financial obligations your family faces.
Whatever Your Family Needs Most
There are generally no restrictions. Your beneficiary decides how the money is used based on what matters most.
Why Final Expense?
Designed to be simple, affordable, and there when your family needs it most.
Final expense insurance is a type of permanent life insurance specifically designed to help cover end-of-life costs. Unlike many traditional policies, it's often easier to qualify for, offers fixed monthly premiums, and stays in force for your entire life—as long as premiums are paid.
The Basics
What Is Final Expense Insurance?
Final expense insurance is life insurance designed to help leave money behind for funeral costs, final bills, and other expenses your loved ones may face after you pass away.
Death Benefit
The money the insurance company pays to your beneficiary when a covered claim meets the policy terms.
Beneficiary
The person or people you choose to receive the life insurance benefit.
Premium
The amount you pay to keep your life insurance coverage in force.
Underwriting
The insurance company's review of your application to determine which coverage options may be available.
What should you compare?
Look at the cost, coverage amount, health questions, and when the full benefit becomes available before choosing a policy.
Easier to Qualify
Many plans only ask a few health questions and don't require a medical exam. Even if you've experienced health issues or been declined in the past, coverage options may still be available.
Coverage That Lasts for Life
Final expense is permanent life insurance. Your coverage doesn't expire after 10, 20, or 30 years like many term policies. As long as premiums are paid, your family remains protected.
Affordable Fixed Premiums
Your monthly premium is locked in when your policy is issued and won't increase because of your age. Many plans fit comfortably within a fixed retirement income.
Tax-Free Benefit for Your Family
When the time comes, your beneficiary generally receives the death benefit income-tax free and can use it however it's needed most—from funeral expenses to everyday household bills.
Easier Than Most People Expect
No medical exam. No blood work. Just a simple conversation.
Many people assume they won't qualify because of their age or health. In reality, many final expense plans require only a few health questions—and some options are available even if you've been declined before.
Every insurance company has different underwriting guidelines. That's why I compare multiple carriers to help find the best fit for your situation.
More Than Just Life Insurance
Your coverage may be able to help while you're still living.
Many people think life insurance only pays after they pass away. In reality, many modern policies include living benefits that may allow you to access part of your death benefit early if you're diagnosed with a qualifying illness. That means your coverage may be able to help when your family needs it most—not just after you're gone.
Critical Illness
If you're diagnosed with a qualifying condition such as a heart attack, stroke, or certain cancers, you may be able to access part of your benefit while you're living.
Chronic Illness
Some policies can provide access to funds if a qualifying chronic illness makes it difficult to perform everyday activities independently.
Terminal Illness
If diagnosed with a qualifying terminal illness, many policies allow early access to a portion of the death benefit when it may be needed most.
Use the Money However You Need
Depending on your policy, funds can often be used for medical expenses, household bills, travel, mortgage payments, caregiving, or simply giving your family financial flexibility.
Think You Won't Qualify?
You may have more options than you think.
Many people assume they're no longer eligible for life insurance because of their age or health history. Fortunately, final expense insurance was designed with those concerns in mind, and many companies offer coverage even if you've experienced common medical conditions.
Every insurance company is different.
One company may decline an application while another may offer excellent coverage at a competitive rate. As an independent advisor, I compare multiple insurance companies to help find the best option for your unique situation.
See What You May Qualify For →What Happens Next?
Simple. Personalized. No pressure.
Getting the right coverage shouldn't be confusing. Here's exactly what you can expect when you request your complimentary review.
Request Your Complimentary Review
Complete the short form in less than two minutes. I'll personally review your information before reaching out.
Compare Multiple Insurance Companies
We'll discuss your health, budget, and goals so I can understand what you're trying to protect. I'll then help determine the best next step and what final expense options may be available for your situation.
Move Forward Only If It Makes Sense
If you find an option that makes sense, I'll stay involved and help make sure the process is clear from the next step forward. You'll never be pressured to move forward, and if it's not the right fit, there's absolutely no obligation.
Who Is It For?
Final expense insurance may be a good fit if...
Every family is different, but many people choose final expense coverage because they want affordable, permanent protection without leaving financial stress behind.
You want to protect your loved ones from paying funeral expenses.
You want permanent life insurance with premiums that won't increase because of age.
You have health concerns and want to explore your coverage options.
You want affordable coverage that fits comfortably within your monthly budget.
You want to leave your family financial support instead of unexpected expenses.
You appreciate working directly with one independent advisor—not a call center.
Not sure how much coverage to consider?
Use the free Final Expense Coverage Estimator to add funeral costs, bills, money you want to leave your family, and funds you already have set aside.
Estimate My Final Expense Coverage →Learn Before You Choose
Explore Final Expense Educational Guides
Understanding the terminology and policy details can make it easier to compare options while keeping this page focused on Final Expense coverage.
Final Expense Learning Center
Browse Final Expense educational guides.
Burial Insurance Vs Final Expense
Compare these commonly overlapping terms and the policy details that matter.
Final Expense Insurance Cost and Coverage Amounts
Learn what affects premiums and how to estimate an appropriate benefit.
Final Expense Insurance Waiting Periods and Graded Benefits
Learn how benefit timing and graded schedules can differ by policy.
Final Expense Insurance vs Whole Life Insurance
Read this educational guide.
Secure today's rate—not next year's. Final expense premiums are largely based on your age and health when you apply. Waiting may mean paying more for the same coverage later. Exploring your options today costs nothing, but waiting could.
Frequently Asked Questions
Everything you should know before choosing a final expense plan.
Meet Your Advisor
Hi, I'm Kirt Patel.
Independent Insurance Advisor • Personally Licensed in 9 States
Choosing life insurance is a personal decision, and I believe it should start with a conversation—not a sales pitch. My job is to help you understand your options, answer your questions honestly, and find coverage that fits your needs and budget.
Because I'm an independent advisor and broker, I work with multiple highly rated insurance companies instead of representing just one. That allows me to compare policies, pricing, and underwriting guidelines to help find the best fit for your unique situation.
Whether you're looking to protect your family from funeral expenses, leave behind financial security, or simply understand what's available, your request comes directly to me. I'll personally review it, speak with you first, and stay involved so you know what to expect throughout the process. No call centers. No pressure. Just personalized guidance every step of the way.
A-Rated Carriers We Work With
Credentials
Personally Licensed Across 9 States
Every license below can be viewed in full because I believe transparency builds trust. These are the nine states where I am personally licensed. If you live elsewhere, you are still welcome to request help, and Generis Organization may be able to connect you with a trusted advisor licensed in your state.
Don't see your state?
You're still welcome to request a review. If I'm not personally licensed where you live, Generis Organization may be able to connect you with a trusted licensed advisor who is.
Complimentary Final Expense Review
Let's Find the Right Coverage for You and Your Family
Answer a few quick questions so I can better understand your situation before we talk. It takes less than two minutes and helps me prepare personalized recommendations from multiple insurance companies.
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No medical exam · Most people qualify