Life insurance that may be cheaper than dinner with your grandkids.

Help your family cover your end-of-life expenses with Final Wishes Covered.

Discover options as low as $9.95 per month1.

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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.2

Simple Ceremony

$5,000 coverage
Do you need a cost-effective way to handle your final expenses? Our minimal Simple Ceremony is the perfect option. This modest policy is designed to cover direct burial or cremation (without viewing), visitation or embalming, and a memorial service at the graveside or later.

Traditional Ceremony

$15,000 coverage
Are you looking for a classic full-service funeral arrangement? The Traditional Ceremony delivers a time- honored remembrance for your family and covers the costs of: visitation, formal funeral service, hearse transportation, burial, entombment, or cremation.

Distinguished Ceremony

$30,000 coverage
Do you want to provide your loved ones with more than funeral expenses? Our Distinguished Ceremony is right for you. This superior package covers the costs of a traditional full-service funeral arrangement with all the trappings and an after-service breakfast or luncheon. You can leave a legacy to your family with what’s left, as well.

Why Do I Need Final Expense?

Planning for your funeral should not be just another thing on your to-do list, like buying groceries or fixing the disposal. Unlike those tasks, the costs of a funeral may fall to your family and they may not be factored into your current life insurance policy. Since the National Funeral Directors Association estimates the average price of a funeral to be $8,500, your relatives might have trouble picking up the extra expense. Help make your departure easier on them by planning for those expenses with the help of Final Wishes Covered.

About Final Expense

Final Expense insurance provides your family with a cash benefit at time of death to cover end-of-life expenses3.

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.

Why Final Wishes Covered?

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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.

customer-service

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

Disclaimers:

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 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.

3 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.

4 Financial strength rating is current as 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.