“Honest, trustworthy, and truly takes the time to help you find the best coverage.”

Find the right burial insurance for your family.

Compare real final-expense rates from 25+ A-rated carriers — even with health conditions. No medical exam, no pressure.

You work directly with Phillip Chin Licensed broker · NPN #8895251 · 1,000+ families helped Verify license at nipr.com

Step 1 of 4 · takes about a minute

How much coverage do you need?

Most families choose $10k–$15k for final expenses. Not sure? We’ll help you pick.

$10k

$15kpopular

$20k

$25k

$30k+

Not sure

No health quiz, no contact info to start

25+ A-rated carriers No medical exam No fees · never sold to lead vendors

Comparing top-rated carriers including

American-Amicable

GTL

Verified Licensed Broker

25+Carriers

Send Phillip a message

About your broker

Apply once, to the right carrier, with 18 years of experience on your side.

I’m Phillip Chin, an independent broker since 2008. Before you apply anywhere, I check your health and medications against how 25+ burial insurance carriers actually approve people.

Most burial insurance ads lead to a call center. The person who calls back is often new, reading from a script, and paid on how many policies they close that day. So many people get pushed into a guaranteed-issue plan with a 2-year waiting period when they could have had full coverage from day one.

Every carrier asks different health questions. One asks about heart trouble in the past 2 years, another asks about 3 years, and some never ask. Some approve controlled diabetes or COPD without oxygen at full coverage. Others don’t. After 18 years, I know which is which, so your application is never a guess.

That matters most if you have health issues or were turned down before. Carriers check your prescription history, and a decline can follow you to the next application. So I match you with the carriers that fit first. Then you apply once, with the right company.

Why this matters

No needless waiting periods

If you qualify for day-one coverage, that’s what I’ll find you. If guaranteed issue really is your best option, I’ll tell you straight.

18+ years with final expense carriers

I know each carrier’s health questions, medication rules, age limits and waiting periods.

Direct 1-on-1 help

$0 broker fees. You always work with me, never a scripted rep, and your info is never sold to lead vendors.

Phillip Chin, licensed independent broker · NPN #8895251 · Verify at nipr.com

Call me directly: (866) 255-5775 Read Phillip’s story →

Simple & fast

How it works in 3 steps

No medical exam. No obligation. Real quotes from top-rated carriers in minutes.

Compare quotes

Tell us your coverage, age, and state. We pull real rates from 25+ carriers in seconds.

Talk to Phillip

One licensed broker walks you through the best options for your health and budget — no scripts.

Get covered today

Most applications take 10–15 minutes. Coverage can start the day your first payment processes.

Find coverage in your state

Burial insurance, state by state

Click your state to see the best final expense carriers, rates, and rules where you live.

Tap any state in dark blue to open its full local guide.

Alabama →Alaska →Connecticut →Colorado →Arkansas →Delaware →Wisconsin →Hawaii →Idaho →Iowa →Minnesota →Kansas →South Carolina →Louisiana →Kentucky →Oregon →Maine →Oklahoma →Utah →Nevada →Mississippi →Montana →New Mexico →West Virginia →North Dakota →New Hampshire →Nebraska →Rhode Island →South Dakota → Vermont →Wyoming →California →Texas →Florida →New York →Pennsylvania →Illinois →Ohio →Georgia →North Carolina →Michigan →New Jersey →Virginia →Washington →Arizona →Massachusetts →Tennessee →Indiana →Missouri →Maryland →

We’re adding new state guides all the time — if your state isn’t highlighted yet, it’s on the way. In the meantime, we can still help you find coverage today.

Coverage by health condition

Have a health condition? You can still qualify.

Most conditions still qualify for coverage — often with full day-one benefits.

Diabetes

Day-one likelySee coverage

Heart Disease

Day-one if stableSee coverage

AFib

Day-one coverageSee coverage

Sleep Apnea

Easy day-oneSee coverage

Cancer History

Day-one after remissionSee coverage

Stroke

Day-one if not recentSee coverage

COPD

Coverage availableSee coverage

Kidney Disease

Coverage at every stageSee coverage

Don’t see your health condition? See all conditions we cover →

Real Client Wins

Turned down elsewhere? See how we get tough cases approved.

Real, fully anonymized stories from our clients — like the healthy 70-year-old who was auto-declined by nearly every carrier over two flagged medications, then approved by American-Amicable once someone actually reviewed his file.

Read our client case studies →

4.9

Verified Google reviews

What families say about us on Google

Kelley S.

3 weeks ago

Very helpful with every question I had. Will recommend.

Gordon N.

3 weeks ago

Honest, trustworthy, and truly takes the time to help you find the best coverage.

Carolyn C.

3 months ago

My experience was great — Phillip was very knowledgeable about what I needed.

Live from Google via Trustindex — real, verified reviews.

Instant estimate

What might coverage cost you?

Adjust the options for a ballpark monthly rate. Final pricing depends on your health — get an exact quote in about two minutes.

Your age

Coverage

Tobacco use

$—/mo

Estimated whole-life final expense premium. Not a quote or offer of coverage.

Get my exact rate

Why families choose us

An easier, smarter way to shop

We work for you — not one insurance company. Here’s how that compares.

Feature	Direct-Mail Companies	Single-Carrier Sites
Compare 25+ carriers at once	×	×
No locked-in premiums or rising rates	×	Varies
Day-one full coverage options	×	Varies
Accepts hard-to-insure health conditions	×	×
No high-pressure sales tactics	×	Varies
Licensed agent who knows your case	×	×
Free quotes — no personal info required	×	Varies

Plan your coverage

Free tools to plan your final expense coverage

No personal info needed — get a ballpark in under a minute.

Will I likely qualify?

Answer 3 quick questions to see your likely path.

1. Your age

2. Serious conditions? (recent cancer, CHF, oxygen, dialysis)

3. Currently hospitalized or in a nursing home?

You’ll likely qualify for Level (day-one) coverage — full benefits from day one and the best rates.

See my real rates

Compare your three paths

The three main types of final expense coverage.

Level / Day-One

Waiting period: NoneBest for: Good–fair healthPrice: Lowest

Graded / Modified

Waiting period: ~2 years partialBest for: Some health issuesPrice: Moderate

Guaranteed Issue

Waiting period: 2–3 yearsBest for: Serious conditionsPrice: Highest — always approved

Good to know

Common questions

Can I get covered if I have health conditions? +

Almost always yes. Most conditions — including diabetes, heart disease, and COPD — still qualify, often with full day-one coverage. We compare 25+ carriers to find the one most likely to approve you at the best rate.

Do I have to take a medical exam? +

No. These are no-exam policies — approval is based on a few health questions, and many applications are approved the same day.

Will my information be sold or shared? +

Never. Your information is used only to prepare your quote and is never sold to third-party lead vendors. You work directly with Phillip.

How much does coverage cost? +

Most final-expense policies run roughly $30–$185/month depending on your age, coverage amount, and health. Your exact rate is confirmed on application — no exam required.

How quickly can I be covered? +

Often the same day. Most applications take just 10–15 minutes by phone, and many are approved on the spot. Once your first payment goes through, your coverage is active — your family is protected right away.

Will my rate or coverage ever change? +

No. These are whole-life policies, so your premium is locked in for life and never goes up — even as you get older or your health changes. The coverage never expires as long as the premiums are paid.

How much coverage do I need? +

Most families choose between $10,000 and $20,000 — enough to cover a funeral (which averages $7,000–$12,000) plus a little extra for final bills. Phillip will help you pick an amount that fits your budget, with no upselling.

Is there a waiting period before it pays out? +

Not always. If you’re in reasonable health, many policies pay full benefits from day one. If you have serious health conditions, some plans have a two-year waiting period — Phillip will tell you up front which one applies to you and find your best option.

What can my family use the money for? +

Anything they need. The payout goes straight to your beneficiary with no restrictions — funeral and burial costs, medical or credit-card bills, or everyday living expenses. They decide how to use it.

Is “burial insurance” the same as “final expense” or “funeral insurance”? +

Yes — those are all names for the same thing: a small whole-life policy built to cover funeral and end-of-life costs. Pre-need or pre-paid funeral plans are different — those are tied to one funeral home. Burial insurance pays cash directly to your family, so they can use any funeral home and keep whatever is left over.

Is there an age limit to apply? +

Most carriers accept applicants from about age 45 to 85, and some go up to 89. Even if you have been turned down elsewhere because of your age, Phillip works with companies that specialize in older applicants — there is almost always an option.

Can I be turned down? +

Rarely. Most people qualify for standard coverage, and for those with serious health issues there are guaranteed-acceptance plans that cannot deny you for health reasons. Phillip compares 25+ carriers to find the one most likely to approve you.

How does my family actually receive the money? +

It is simple. Your beneficiary calls the insurance company, sends in a copy of the death certificate, and the company pays the claim — usually within days, by check or direct deposit. There is no probate and no long wait.

Get your free burial insurance quote

No medical exam. No pressure. Phillip compares 25+ carriers so you don’t have to.

Get my free quote