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          This product is underwritten by Great Western Insurance Company, a Wellabe company.

Final Expense insurance

Being prepared for tomorrow helps you live better today. That’s why Wellabe offers Final Expense life insurance policies to help you protect your family and give you peace of mind.

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To ensure you do well by your loved ones now and in the future, Wellabe offers competitive Final Expense life insurance for end-of-life costs, such as funeral expenses or cremation services, medical bills, and anything else your family may need help with. It’s easy to qualify — even if you’ve never carried life insurance before or been turned down for a policy in the past.

Well prepared with Final Expense insurance

Help them be supported 

Relieve your loved ones of the financial burden of paying for final expenses. On average, a person leaves their family with $62,0001 of debt when they pass, a significant amount that is difficult to cover with Social Security’s lump sum $255 payment.2

Get a customized rate 

Your health can positively affect your premium — the better your health, the better your rates.

Be covered no matter what

If you’re between the ages of 40 and 803, regardless of your health, you will not be turned down. You can receive up to $25,000 in financial protection with no medical exam.

Well protected with Final Expense insurance

Wellabe’s Final Expense insurance doesn’t require a health exam. We have three competitive plans that make it easy to apply. Answering a few simple health questions helps determine which plan works best for your situation.

The details for each plan are:4


Great Assurance
First-day coverage

Graded Benefit
Graded death benefit

Guaranteed Assurance
Guaranteed issue
    Issue ages

50-85 years old

50-85 years old
40-80 years old
   benefit amount



    Maximum face 

$40,000 for issue 
ages 50-80

$25,000 for issue 
ages 81-85

$40,000 for issue 
ages 50-80

$25,000 for issue 
ages 81-85



Accelerated Death benefit rider: Included at no additional cost. The benefit is paid as a lump-sum payment based on the present value of the death benefit.6
     - Terminal illness: Life expectancy is 12 months or less
     - Chronic illness: Cannot perform two activities of daily living (ADLs) for at least 90 days or requires substantial supervision.

Accidental Death rider: 
Optional rider that pays out the full face amount, in addition to the policy's benefit.

Graded Death benefit
-30% of face amount payable in Year 1

-70% payable in Year 2

-100% payable in Year 3

Limited Death benefit
110% of the premiums will be paid in Years 1 and 2.7

After 2 years, the full death benefit is paid.


Child/Grandchild Protection rider: Optional coverage that the applicant can purchase at the time of application or during a qualifying event for only $1 per month on policies with a face amount of $5,000 or more. It pays a one-time benefit of $2,500 on the death of a dependent child or grandchild.


Answer simple health questions and no health exam

Answer simple health questions and no health exam

No health questions and no health exam

   Grace period

31 days all other states31 days all other states
31 days all other states
60 days in FL, ND, SD



The face amount is the quantity your policy is worth and how much money is paid to your beneficiaries. 

A graded death benefit on a whole life insurance policy pays a percentage of the policy’s full death benefit if death occurs from natural causes during the first two years after you purchase the policy.

A limited death benefit on a whole life insurance policy pays a portion of the policy’s full death benefit if death occurs from natural causes during the first two years after you purchase the policy.

Sometimes known as funeral insurance or burial insurance, Final Expense insurance is a type of whole life insurance that alleviates the burden on your family by covering funeral costs — and an array of other expenses. Your family can decide how to dispense the money, which can be used for unpaid bills, medical expenses, and even college tuition for children or grandchildren. If they choose to use it for your funeral, they can make arrangements with any funeral home.

Final Expense insurance is a form of permanent insurance that can help you cover a funeral, legal fees, medical bills, and more. Policies generally range from $1,000 to $25,000 and carry cash value that builds over the life of the policy. The amount is paid as part of the death benefit to a loved one or can be cashed out for part of its value after a specified time period.

If you’re looking to invest less than you would on a larger life insurance policy yet still want to be well protected, Final Expense insurance could be enough to meet your needs. Final Expense life insurance can help you to cover funeral costs and a few extra bills. To know how much to buy, you’ll want to accurately estimate funeral costs. According to the National Funeral Directors Association, you should budget around $8,800 for traditional funeral services. If you’re currently under medical care, you may want to add extra coverage for pending bills, too.

Request a free quote

Call 866-739-8143 or click the button below to have an agent contact you to develop a personalized free quote for any of our insurance plans.

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