Final expense coverage, so your family isn't left with the bill.
Final expense policies are smaller whole life policies built to cover funeral costs, medical bills and other final expenses. Answer a few questions and a licensed agent will walk you through options.
- Free, no-obligation options
- Licensed agents in your state
- About a minute to fill out
Not a government program. Not an insurance company.
How it works, in plain language.
What it is
A whole life policy with a smaller benefit, often $5,000 to $25,000. It's meant to cover a funeral, burial or cremation and leftover bills.
Who it's for
Usually people 50 to 85 who want to make sure a spouse or children don't have to pay for final costs out of pocket.
What to have ready
Your date of birth, a list of current medications, and the amount you'd like to leave. Agents use these to compare carriers.
A few questions, then a real conversation.
Answer a few questions
Coverage type, age and state. It takes about a minute and there's no account to create.
A licensed agent calls you
We connect you with licensed agents who can offer policies in your state. They explain options in plain language.
You decide
Compare prices and coverage, ask questions, and take your time. You're never obligated to buy.
Lucy points the way. Licensed agents do the rest.
Lucy is an illustrated character, not a real person and not an agent. Lifeline Lucy is a free service that connects you with licensed insurance agents, so you can get real answers without searching through dozens of websites.
We don't sell insurance and we don't give insurance advice. The agents we connect you with are licensed in your state and can compare options from the companies they work with.
Is a medical exam required?
Many final expense policies have no medical exam, just health questions. The agent will explain what each carrier asks.
Can I buy coverage for a parent?
Yes, with their participation. The person being covered needs to agree and usually answers the health questions.
Is there a waiting period?
Some policies pay the full benefit from day one and some have a waiting period, depending on health answers. Ask the agent which applies.
Does this cost anything?
No. Our service is free. If you decide to buy a policy, you pay the insurance company, not us.
Who will contact me?
One or more licensed insurance agents or agencies, and possibly our team to confirm your details. They may call, text or email.
Is Lifeline Lucy an insurance company?
No. Lifeline Lucy is run by NxLeads LLC, a marketing company. We connect people with licensed agents. We don't sell insurance, set prices or give advice.