Final Expense Insurance Made Simple
Get affordable whole life insurance designed to help cover funeral, burial, or cremation expenses
- No medical exam
- Fixed monthly premiums
- Lifetime coverage
- Builds cash value
- Benefit pays directly to beneficiaries
What Is Final Expense Insurance?
Final expense insurance is a type of whole life insurance designed to help cover end-of-life costs such as funeral services, cremation, burial, and related expenses.
It provides a cash benefit to your loved ones so they can focus on what matters most — not unexpected costs.
Funeral and cremation costs can easily reach $7,000 to $9,000 or more in some areas. When these expenses are unplanned, families are often left to make difficult financial decisions under emotional pressure.
Final expense insurance helps by providing an affordable, lifelong policy that can help cover these costs—so your family isn’t left scrambling when the time comes.
- Up to $50,000 benefit
- Pays directly to beneficiaries
- All health conditions accepted
Why Families Choose Final Expense Coverage
Simple, affordable protection designed for funeral and cremation costs.
Easy to Get
- No medical exam up $50,000 benefit
- E-App - Easy application
- Fast approvals
Affordable & predictable
- Coverage starting at $1/day
- Premiums never increase
- Builds cash value
Peace of Mind
- Covers Funeral, Burial or Cremation
- Up to $50,000 Death Benefit
- Pays Directly to Beneficiaries
No obligation • Takes only a few minutes
easy application process
Tell us the basics
- Age
- Tobacco use
- Health 1 to 5
- Get a quote
customize your coverage
- See plan options
- Choose benefit $2,000 – $50,000
- Need assistance, give us a call
Instant Peace of Mind
- Your rate is locked
- Most carriers give conditional approvals
- Your family is protected
do not leave for tomorrow what you can do today
sample rates
Below are sample rates for non-smokers age 50, immediate coverage, graded policies available, rates not shown
| Death Benefit | Female | Male |
|---|---|---|
| $10,000 | $24.31 | $30.68 |
| $15,000 | $34.86 | $44.42 |
| $20,000 | $45.41 | $58.15 |
| $25,000 | $55.96 | $71.89 |
| $30,000 | $66.51 | $85.63 |
*Sample rates for immediate coverage. In some cases, a 2-year waiting period may apply.
Start Your Free Quote Below
Enter a few basic details to view coverage options. No obligation.
About Bonanza Insurance Services
Bonanza Insurance Services is a licensed insurance agency in California (CA Lic. #0K34841). We help families compare final expense options from multiple highly rated carriers—so you can choose coverage that fits your needs and budget.
Trusted Carriers We Work With
frequently asked questions
Do I need a medical exam?
No medical exam is required, most people are approved even with some health conditions, diabetes, high blood pressure, we also offer guaranteed issue which does not require any health questions
How much coverage do I need?
Coverage needs vary by preference and location. Many families choose between $5,000 and $15,000 for cremation or modest services, while traditional burials may require $15,000–$30,000 or more.
Will my premium increase?
No. Final expense – whole life insurance typically has level premiums, meaning your payment stays the same for the life of the policy as long as premiums are paid.
How fast does coverage start?
Many policies offer immediate coverage once approved. Some policies may have a graded or waiting period, which will be clearly explained before enrollment.
Is this a commitment?
No. Getting a quote is free, fast, and does not require commitment. You can review options and decide what works best for you and your family.
have a question?
If you’d like help or have a quick question, leave us a message and a licensed agent will respond.
By submitting this form, you agree to be contacted regarding your request. Your information is kept private and secure.
© 2026 Bonanza Insurance Services. All rights reserved.
Licensed Insurance Agency | CA License #0K34841
Insurance coverage, eligibility, and rates vary by carrier and individual circumstances. Information provided is for educational purposes only and does not constitute a contract.
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