Final Expense Life Insurance
Simple, affordable coverage for life’s final costs.
A small whole-life policy designed to help families cover funeral and end-of-life expenses without financial stress.
What It Is
Final expense insurance is permanent coverage (typically $5,000–$25,000) with:
- Lifetime protection
- Premiums that never change
- No medical exam (for most applicants)
- A quick, flexible payout
A straightforward way to plan ahead.
Who It Helps
- Older adults on a fixed budget
- People wanting no-exam or simplified underwriting
- Anyone who wants to avoid leaving funeral costs to family
Clarity, Not Complexity.
Why It’s Different
Unlike large life insurance policies meant for income replacement, final expense coverage focuses on:
- Smaller, fixed costs
- Simple qualification
- Easy maintenance
- Faster access to funds
What It Covers
- Funeral & service fees
- Burial or cremation
- Casket/urn, plot, preparation
- Admin fees & death certificates
- Final medical or small outstanding bills
Key Benefits
- Affordable, level premiums
- No medical exam in most cases
- Fast, flexible payouts
- Lifetime coverage that doesn’t expire
Things to Consider
- Choose a coverage amount that matches your funeral preferences
- Check for waiting periods (common with guaranteed issue plans)
- Review optional riders (e.g., accelerated benefits)
- Compare providers for pricing & reliability
How It Works (Simple Flow)
How to Get a Quote
Use online tools to see rates in minutes. Compare coverage, waiting periods, and underwriting types, and apply online with digital signatures.
Ready for Peace of Mind?
Secure simple, affordable final expense coverage today.
TruStage™ Advantage Whole Life Insurance is issued by MEMBERS Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Product and features may vary and not be available in all states. Base Form Numbers: ICC20-WLMLIC & 2020-WLMLIC.
TruStage™ Simplified Issue Term Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. This is a term policy to age 80 that has premiums that increase when entering each five-year band: 25, 30, 35, 40, 45, 50, 55, 60, 65, 70, and 75. Approval is based on your answers to the questions on the application and additional information we obtain from other sources. Rates may be higher due to tobacco use. Product and features may vary and not be available in all states. Base Form Numbers for coverage under 100k: ICC16-A10a-039, A10a-039-2016 & over 100k ICC17-SIT-2, 2017-SIT-2.
TruStage™ Guaranteed Acceptance Whole Life Insurance is issued by CMFG Life Insurance Company. The insurance offered is not a deposit, and is not federally insured, sold, or guaranteed by any financial institution. Death benefit is limited the first 2 years of the policy and is limited to a return of 100% of premiums, plus 10%. Product and features may vary and not be available in all states. Base Form Numbers: ICC16-GAWL & 2016-GAWL.
TAWL2, GAWL, SIT1, SIT2-8658941.1-1225-0128