Final Expense Insurance Companies

we represent the top insurance companies on your behalf
Kim Wilhelm CEO of Final Expense Direct Life Insurance
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Written by Kim Wilhelm

Kim Wilhelm on Twitter
Kim Wilhelm on Facebook
Kim Wilhelm on LinkedIn

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Last Updated 24 Sep 2021

Final Expense Direct represents the top insurance companies every day on behalf of our customers. If you’re searching for the best prices on a final expense policy, visit our free quote center. If you’d like more information about the best companies, check out this list that includes the carrier’s rating with the Better Business Bureau, company HQ, and phone number.  

How Does Final Expense Insurance Help My Family?

Final expense insurance, also called burial or funeral insurance, provides financial protection for your family after you pass away. When you buy a policy, your family doesn’t have to be stressed about the costly funeral arrangements while grieving your loss. It’s important to research your options to find the one that best fits you and your family’s needs. If you have questions, the team at Final Expense Direct can help!

How Much Does a Final Expense Policy Cost?

The costs differ from person to person based on many factors. In most cases, a medical exam is not required for final expense insurance. The following variables affect the cost of your premiums:

  • Age
  • Sex
  • Lifestyle
  • Tobacco use  
  • Family history
  • Current health

Final expense policies are meant to be more affordable for older adults.

Free Final Expense Quote

List of Final Expense Companies We Represent   


BBB Rating: A+ 

Company Headquarters: New York, NY 

Phone: (800) 888-2452


BBB Rating: F (lately 5 complaints against the business were not resolved)

Company Headquarters: Kansas City, MO

Phone: (800) 231-0801

American Home Life Insurance Company

BBB Rating: A+

Company Headquarters: Topeka, KS

Phone: (800) 876-0199

Baltimore Life

BBB Rating: A+ 

Company Headquarters: Owings Mills, MD

Phone: (800) 628-5433


no Money Down • No Medical Exams

Get final expense with 0 hassle.  

Call today: 1-877-674-0236

Foresters Financial 

BBB Rating: A-

Company Headquarters: Toronto, ON (USA HQ is Buffalo, NY)

Phone: (800) 828-1540

Landmark Life

BBB Rating: A+ 

Company Headquarters: Brownwood, TX 

Phone: (800) 299-5433

Liberty Bankers Life

BBB Rating: A+ 

Company Headquarters: Dallas, TX

Phone: (800) 745-4927

Mutual of Omaha

BBB Rating: A+

Company Headquarters: Omaha, NE

Phone: (800) 228-7104

Oxford Life Insurance Company 

BBB Rating: A-

Company Headquarters: Phoenix, AZ

Phone: (866) 641-9999

Pioneer American Insurance Company 

BBB Rating: A+

Company Headquarters: Waco, TX

Phone: (800) 736-7311

Whatever you think final expense costs...

It's probably less.

No money down • No medical exam

Got an Online Quote from Final Expense Direct - Party Time

Prosperity Life Group 

BBB Rating: NR

Company Headquarters: Roanoke, VA

Phone: (800) 848-5433

Royal Neighbors of America 

BBB Rating: A+

Company Headquarters: Rock Island, IL

Phone: (800) 627-4762


BBB Rating: A+ 

Company Headquarters: Cedar Rapids, IA

Phone: (800) 797-2643

*All Better Business Bureau ratings have been updated as of 2020. Here’s how the BBB bases its ratings

Also consider Colonial Penn Life insurance and Globe Life

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Get Your Free Final Expense Quote

It’s easy to get final expense insurance. Simply answer a few health questions, and you’ll get paired with all the quotes you qualify for in your state. If you hear a quote you like, you can get coverage right over the phone. Call 1 (877) 674-0236 to speak with an agent at Final Expense Direct.

Get a free Quote

Products and services are provided exclusively by the providers. Descriptions are for informational purposes only and subject to change. Insurance plans may not be available in all states. By submitting your phone number, you are giving Final Expense Direct permission to communicate with you via phone call, automatically-sent text message, and/or email.

We are not connected with or endorsed by the United States government or the federal Medicare program.