Cover Funeral Today
(Limited Offer For Seniors 50-85)
Our Mission
We are here to:
Provide clarity about final expense insurance options for seniors.
Connect you quickly with licensed agents who can explain coverage in plain, simple terms.
Support peace of mind by helping families avoid financial stress in life’s most difficult moments.
Our guiding principle is trust. We aim to make sure every senior who visits our site feels informed, respected, and never pressured.
Insurance providers must make burial coverage available at prices designed to fit the needs of seniors on fixed or limited incomes.
Why We Exist
Funeral costs today can easily reach $6,000 to $10,000 or more. Social Security provides just a $255 death benefit, nowhere near enough to cover the full cost of a burial or cremation.
Without a plan in place, those costs often fall on grieving children or grandchildren. Many families are forced to use credit cards, borrow money, or delay services, adding stress to an already heartbreaking time.
We believe no family should face that burden. Final expense insurance exists to provide an affordable way for seniors to ensure their loved ones are protected from unexpected costs.
What to Expect When You Call
Step 1
Speak With a Friendly Specialist
When you call, you’ll be greeted by a real person. No robots, no endless menus. A specialist will gather a few basic details and then connect you with a licensed insurance agent who can explain available plans.
Step 2
Share a Few Simple Details
The agent may ask about your age, budget, and whether you prefer burial or cremation. No medical exam is required, and many people qualify in just minutes.
Step 3
Review Plan Options That Fit Your Budget
Based on your answers, the agent will explain plan options from trusted insurance companies. You’ll see coverage amounts (usually $5,000-$40,000) with fixed premiums that never go up.
Step 4
Peace of Mind Starts Today
Once you choose a plan, coverage can begin right away (subject to eligibility). Your loved ones will have protection when they need it most, and you’ll have peace of mind knowing the burden is lifted.
Frequently Asked Questions (FAQ)
What is Final Expense Insurance?
Final Expense Insurance is a type of life insurance designed to cover funeral, burial, or cremation costs, usually between $5,000 and $40,000. It ensures your family isn’t left with large bills when the time comes.
How much does a funeral really cost today?
The average funeral in the U.S. costs between $6,000 and $10,000. Cremation is often less, but still thousands of dollars. Social Security provides only $255, which doesn’t come close to covering the full expense.
Do I need a medical exam to qualify?
Most plans don’t require a medical exam. In many cases, approval is simple and fast by answering a few health questions. Some plans may offer guaranteed acceptance regardless of health.
Will my rates go up as I get older?
No. Once you’re approved and your plan is active, your monthly premium is locked in and will not increase with age.
When does my coverage start?
Coverage can begin as soon as your first premium is paid. Some policies include a short waiting period before full benefits are available. Your licensed specialist will explain the details before you decide.
Can my family use the money for other expenses?
Yes. The payout goes directly to your beneficiary. While it’s designed for funeral costs, your loved ones can also use it to cover medical bills, debts, or anything else they need during a difficult time.
What happens if I miss a payment?
Like most insurance, missing payments can cause a policy to lapse. If that happens, coverage ends and benefits won’t be paid. That’s why it’s important to choose a plan with a premium that comfortably fits your budget.
Who will I be speaking with when I call?
When you call, you’ll first connect with a friendly specialist. They’ll gather a few details and then connect you with a licensed insurance agent, who can explain available plans and help you apply if you choose.
Is this the same as life insurance?
Final Expense Insurance is a type of life insurance, but it’s specifically designed to be affordable, simple, and focused on covering end-of-life costs. Unlike larger life policies, it’s easier to qualify for and meant to take care of immediate needs.
How do I know this is legitimate?
The licensed agents you’ll be connected with represent trusted, state-licensed insurance companies. They will explain plan details and answer your questions clearly before you decide. When you call, you’ll be given clear details about the carrier, coverage, and your rights. There’s no obligation to buy, and your information is kept private.
Disclaimer: Cover Funeral Today operates as a referral source, offering information and access to a helpline to connect consumers with potential insurance coverage providers. We do not function as insurance brokers and do not make determinations regarding available insurance coverage. We do not guarantee specific outcomes or results from contacting our helpline. While our helpline is toll-free, the services or programs pursued through our referrals may incur associated costs. Please note that neither Cover Funeral Today nor any affiliated insurance plans are endorsed by the U.S. Government or any federal Burial Programs.
Our primary objective is to deliver exceptional service. Our representatives may contact you to discuss orders, gather feedback, or offer assistance with your products, services, or plans using the phone number you provided, regardless of your do-not-call list status. You have the option to opt-out of further contact at any time by informing our customer service team of your preference. In instances where we are unable to reach you by phone, a text message may be sent to notify you of our attempted contact. Both text messages and phone calls may be sent or connected using automated software. Standard carrier charges may apply. You can opt-out of future text messages by replying with "STOP" at any time.