Simple, permanent life insurance designed to help cover funeral costs and other end-of-life expenses.
Final expense insurance is a type of whole life insurance designed to help clients cover funeral costs, medical bills, or other final expenses. These plans are typically smaller face amounts, with simplified underwriting and a focus on ease of qualification.
For agents, final expense can be a practical way to serve clients who may not qualify for larger life policies while providing meaningful protection and peace of mind.
New Horizons works with a range of carriers that offer final expense products with varying underwriting approaches, face amounts, and features.
Final expense policies are typically whole life insurance plans that remain in force for the client’s lifetime as long as premiums are paid. Benefits are paid to beneficiaries and can be used for funeral costs, outstanding bills, or other needs.
Most plans offer:
Final expense products are often structured around different underwriting approaches, allowing agents to match clients with appropriate coverage based on their health and circumstances.
Clients answer a short series of health questions. Coverage is often available quickly, sometimes with day-one benefits for those who qualify.
For clients with certain health conditions, benefits may phase in over time. These plans can help provide coverage when traditional approval is not available.
No health questions or exams required. Acceptance is guaranteed within age limits, though benefits are typically limited in the early years of the policy.
Final expense insurance can be a strong fit for:
This product category allows agents to provide practical solutions while building long-term client relationships.
New Horizons provides access to quoting tools, training resources, and carrier support to help you navigate final expense products effectively.
Depending on the carrier and product, you may be able to:
Browse available carriers to review product details, underwriting approaches, and tools that can help you serve your clients.
