Let your family focus on the life you lived, not your funeral bills

Final Wishes Covered offers the most simple, straightforward solution for final expense life insurance:

  • Apply quickly and easily, with no medical exam. Get your personalized, free quote in seconds!
  • Get support from in-house, non-commissioned agents to get the coverage you need.
  • Discover options as low as $14.99 per month1.

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So, why do I need final expense life insurance?


Help your family cover end-of-life expenses quickly

Benefit payout typically occurs a few days after receipt of the death certificate. This helps your family cover costly funeral or cremation costs without having to dip into their savings.

Help prevent coverage gaps

Your employer-sponsored life insurance policy may not go with you if you switch jobs or retire. So, it may be a good idea to get coverage now before any big career changes or rate increases.

Help give you peace of mind

You can feel more confident knowing that after you pass, you won't be a burden to your family. Final expense life insurance can help prevent unnecessary financial stress during an emotional time.


About Final Expense

Final Expense insurance provides your family with a cash benefit at time of death to cover end-of-life expenses2.

Flexible payments, easy setup

Premiums can be paid at an interval of your choosing and easily set up on a convenient date for you.

Non-commissioned agents

Our agents are paid hourly and don’t earn commission. This means you get honest advice and never feel pressured to buy.

Benefits disbursed quickly

Your family will promptly receive the income tax free benefit payment, once all the required documents have been received.

Fixed coverage

The death benefit is guaranteed as long as your required premiums are paid.

No medical exam

No medical exams or blood work required, just answer some simple health questions.

Affordable rates

You’ll receive competitive rates, perfect for those on a budget!

Lifetime locked-in rates

Your affordable rate will not change for the life of your policy.

Cash value

Your policy may build cash value over time, and the accumulated value is tax-deferred. See your policy document for more details.

Money back guarantee

Return your policy within 30 days of receipt for a complete refund.

Final Expense Options

Funeral planning is often neglected, but the costs can be more expensive than people realize. And you don't want to burden your family with out-of-pocket funeral expenses. That's why Final Wishes Covered offers 3 defined final expense options, as well as the flexibility to customize your own option. This way, you can continue to support your family even after you're gone. Select an option below to get started with your free, no-obligation quote.3

Simple Ceremony

$5,000 - $10,000 in coverage
This could cover a simple
cremation or memorial.

Traditional Ceremony

$15,000 - $20,000 coverage
This could cover a traditional,
full-service funeral.

Distinguished Ceremony

$25,000 - $30,000 coverage
This could cover a funeral plus leave a small legacy for your family.

Why Final Wishes Covered?


Trusted Insurance Provider

Help protect your family's future with life insurance issued by Oxford Life, a long-standing, financially-secure company. A.M. Best has affirmed their financial strength with an A- Excellent rating as of July 20184.


Personalized Support From a Live Agent

When you call us, you're connected to a real person, not an automated message. Our experienced agents will help answer your questions, so you can make a confident financial decision. With Final Wishes Covered, we'll help take care of you from the first step to the last


1 The example rate is for illustration purposes. Actual premiums and coverage will be based on age, gender, health history, certain underwriting criteria, state of residence, and tobacco usage. Advertised products are for US residents only.

2 There are limitations and conditions regarding payment of benefits due to misrepresentations on the application or when death is the result of suicide. A complete statement of benefits is found only in the policy.

3 The amount of coverage provided depends upon the plan selected, and the premium will vary with the amount of coverage selected. The issuance of the policy may depend upon the answers to the health questions in the application.

4 Financial strength rating is current as of July 2018 and is subject to change, and applies to Oxford Life as a measure of the company's financial ability to pay claims and to honor any guarantees provided by the contract. The rating is not an assessment or recommendation of specific products, policy provisions, premium rates, performance of the products, or to the practices of the insurance company.