Final expense insurance that protects the ones you love.
Lock in affordable coverage from $9.95/month. No medical exam. Guaranteed acceptance plans available for ages 50–85.
- Coverage up to $40,000
- No medical exam required
- Rates that never increase
- Benefits paid tax-free
Which state do you live in?
Rates and available plans vary by state.
How it works
Coverage in three simple steps
No paperwork. No pressure. No medical exam.
Answer 9 quick questions
Takes under a minute. No personal health exam ever required.
Compare your best rates
We shop top-rated A-rated carriers to find your lowest price.
Lock in your policy
Coverage can start the same day. Rates never increase.
Why DependableLife
The dignity your family deserves — without the burden of unexpected costs.
The average funeral now costs over $9,000. Final expense insurance ensures your loved ones won't carry that weight. Our independent agents work for you, not the insurance company.
Top-rated carriers only
We partner exclusively with A and A+ rated insurance companies.
Real, licensed humans
Talk to a real agent — no chatbots, no high-pressure sales.
Guaranteed acceptance
Approval guaranteed for ages 50–85, regardless of health.
Real stories
Trusted by families across America
I was worried about being denied because of my heart condition. They found me a plan with no exam and great rates.
Honest agents, no high-pressure tactics. My monthly premium is less than I spend on coffee.
My wife won't have to worry about funeral costs. That peace of mind is worth everything.
FAQ
Common questions
What is final expense insurance?+
It's a small whole life insurance policy designed to cover funeral costs, medical bills, and other end-of-life expenses so your family isn't left with the burden.
Do I need a medical exam?+
No. Our plans require no medical exam. Some plans only ask a few simple health questions, and guaranteed-acceptance plans ask none at all.
How much does it cost?+
Rates start as low as $9.95/month, depending on your age, gender, coverage amount, and health. Your free quote will show exact pricing.
How quickly will my family receive the benefit?+
Most claims are paid within 24–48 hours of receiving a death certificate, tax-free and directly to your beneficiary.
Can I be denied?+
Guaranteed acceptance plans cannot deny anyone ages 50–85, regardless of health history. There's a plan for everyone.
Protect your family today.
Your personalized quote takes less than 60 seconds. A licensed agent will reach out with your best rates.
Get My Free Quote