Final Expense Whole Life Insurance • Ages 50–75

Don't Leave Your Family a Bill.
Leave Them Peace of Mind.

Q: Can I get burial insurance with no medical exam if I'm over 60?

Yes. Final expense plans for ages 50–75 use simplified underwriting — health questions only, with no exam or bloodwork — and many applicants receive same-day approval through ASJ Insurance's electronic application. Coverage is often available even with conditions like diabetes or high blood pressure.

Q: What does final expense whole life insurance actually cover?

It pays a tax-free lump-sum cash benefit to your beneficiary, typically used for funeral, burial or cremation costs, memorial services, final medical bills, small debts, and family travel. There are no restrictions on how the money is used.

Q: How fast can I get final expense coverage in place if I apply online?

The ASJ Insurance process is fully electronic from application to policy delivery: complete a short survey, finish an e-application with a licensed agent, e-sign from any device, and many carriers issue same-day approvals with policy documents delivered by secure email.

Q: Is final expense insurance worth it for seniors on a fixed income?

For most seniors, yes. Coverage amounts of $5,000–$50,000 keep premiums modest, payments are guaranteed never to increase, and coverage never expires while premiums are paid — sparing family members a funeral bill that often exceeds $9,000.

Q: What's the difference between final expense insurance and prepaid funeral plans?

Prepaid funeral plans lock money into one specific funeral home and its services. Final expense whole life insurance pays cash to your chosen beneficiary, usable at any funeral home in any state, for any need.

Q: Can I be turned down for final expense insurance because of my health?

Certain serious conditions can affect simplified-issue eligibility, but as an independent agency representing multiple carriers, ASJ Insurance can usually find an option — including guaranteed issue whole life with no health questions and a 2–3 year graded waiting period for significant health challenges.

Q: Will my premiums go up or my coverage go down as I get older?

No. Once a whole life final expense policy is issued, the premium is contractually locked and the death benefit never decreases, regardless of age or future health changes.

The average funeral now costs over $9,000 — and it arrives at the worst possible moment. Final expense whole life insurance makes sure your children are grieving, not fundraising.

Coverage that never expires and premiums that never increase — guaranteed for life
No medical exam options — health questions only, many approvals in minutes
100% electronic — apply, e-sign, get approved, and receive your policy by email
Affordable plans from $5,000 to $50,000 designed for fixed incomes

See My Rate in 2 Minutes Or Call 480-680-9215

Licensed & verifiable: Agency NPN 8514223 AZ #1800003884 • CA #0F71906 Serving AZ, CA, IN & MI

$9,000+

Average cost of a funeral with burial in the U.S. — often due within days

Every Birthday

Your rate goes up. Apply today and your premium is locked in at your current age — forever

Minutes

Many applicants are approved the same day with our all-electronic application

Why Families Wait — And Why Waiting Costs More

The Kindest Thing You Can Do for Your Children Is a Decision They Never Have to Make

When a parent passes without coverage, families face an impossible week: choosing a casket while checking bank balances, starting online fundraisers, putting funeral costs on credit cards. It happens to good, hardworking families every single day — not because they didn't care, but because "someday" never got scheduled.

"I don't want my kids to pay a penny — or to argue about money — when I'm gone. I want them to remember me, not the bill."

That's exactly what final expense whole life insurance is built for. A tax-free cash benefit is paid directly to the person you choose, usually within days of the claim, to cover the funeral, burial or cremation, final medical bills, and any small debts you leave behind. Whatever remains stays with your family.

The honest truth about waiting: premiums are based on your age when you apply. A plan at 62 costs less than the same plan at 63 — and a health change can limit your options overnight. The lowest price you will ever see is today's price.

A warm handshake between a licensed ASJ Insurance agent and a senior client, sealing a promise of protection

No Paperwork. No Waiting Rooms. No Agent at Your Kitchen Table.

From Application to Policy Delivery — 100% Electronic

We modernized every step so you can put protection in place from your favorite chair, often the very same day. If you can answer a text or read an email, you can do this.

Answer a Short Survey

Tell us your age, state, and coverage goal in the 2-minute form below. No obligation, no pressure — it simply matches you to the right carriers.

Complete the E-Application

A licensed agent walks you through a simple electronic application by phone or screen — just health questions, no medical exam on most plans.

E-Sign & Get a Decision

Sign securely from your phone, tablet, or computer. Many carriers give an instant or same-day approval decision.

Policy Delivered Electronically

Your official policy arrives by secure email — no waiting weeks for the mail. Your family's protection starts the moment coverage is issued.

✦ Apply today. Protected today. That's the promise of electronic processing. ✦

Free • No Obligation • Takes About 2 Minutes

See What Final Expense Coverage Costs at Your Age

Answer a few quick questions and a licensed agent will show you your best options — with no medical exam plans included. Your rate is locked at your current age the day your policy is issued.

🔒 Your information is secure and is only used by a licensed ASJ Insurance representative to prepare your quote. We never sell your data.

Know Your Options Before You Buy

Final Expense Whole Life vs. the Alternatives

Seniors are marketed a confusing mix of products. Here's an honest side-by-side so you can see why final expense whole life is the fit for most people ages 50–75 who want burial and funeral costs handled.

Feature	Final Expense Whole Life ★	Term Life	Guaranteed Issue	Prepaid Funeral Plan
Coverage ever expires?	Never — protection for life	Yes — ends at 10–30 yrs; renewal costs soar after 70	Never	N/A — tied to one funeral home
Premiums can increase?	Never — locked at issue age	Yes at renewal	No	Paid up front or installments
Medical exam required?	No — health questions only	Often yes for best rates	No questions at all	No
Benefit from day one?	Yes on most level plans for qualified health	Yes	No — usually a 2–3 year waiting period	Only for services contracted
Family chooses how funds are used?	Yes — cash paid to your beneficiary	Yes	Yes	No — locked to provider & location
Builds cash value?	Yes	No	Minimal	No
Best for…	Ages 50–75 wanting funeral, burial & final bills covered affordably, forever	Younger families replacing income	Serious health conditions that decline other coverage	Those certain of one funeral home for life
Features vary by carrier, state, age, and health history. A licensed ASJ Insurance agent compares plans from multiple top-rated carriers to find your best value. No coverage is bound until approved and issued by the carrier.

Compare My Personal Rates Now

A Story We See Every Week

Two Sisters. Two Phone Calls. Two Very Different Weeks.

Maria and Linda both lost their mothers last spring. Both mothers were loved. Only one had a plan.

Without Coverage

Maria's Week

The call came on a Tuesday. By Thursday, Maria was sitting in a funeral home office, still in shock, being handed an itemized estimate: $11,400 — due before the service.

She spent the week her mother deserved to be honored splitting costs with a reluctant brother, maxing out a credit card at 24% interest, and posting a fundraiser online — asking strangers to help bury her mom.

The service was beautiful. But every month, when the card statement arrives, the grief comes back with a bill attached.

The cost of waiting: $11,400 in debt, a strained family, and a fundraiser she never wanted to write.

With Final Expense Coverage

Linda's Week

Three years earlier, Linda's mother spent twenty minutes on the phone with a licensed agent, answered a few health questions, and e-signed a $15,000 final expense policy from her kitchen table. Her premium: less than her cable bill.

When the call came, Linda made one phone call to file the claim. The benefit was paid within days — the funeral, the flowers, the flight for her son, all handled.

Linda spent that week doing the only thing that mattered: telling stories, holding hands, and saying goodbye properly.

The gift of planning ahead: zero debt, zero arguments, and a family free to simply grieve.

The only difference between these two weeks was twenty minutes, three years earlier. Which phone call will your family make?

Give Your Family Linda's Week — Start Now 2-minute survey • No medical exam options • Approved and delivered electronically, often the same day

Local Guidance, Licensed Where You Live

Final Expense Insurance in Arizona, California, Indiana & Michigan

ASJ Insurance & Financial Services Inc. is an independent agency headquartered in Peoria, Arizona and licensed in four states (verifiable by Agency NPN 8514223 through the National Insurance Producer Registry). Because everything is electronic, you get the same fast, personal service whether you're across town or across the country.

Arizona — Our Home Base

From our office at 14050 N. 83rd Avenue in Peoria, we help seniors across the Valley find affordable burial insurance in Peoria, Phoenix, Glendale, Sun City, Surprise, Scottsdale, Mesa, Chandler, Gilbert, Tempe, Tucson, and every Arizona community find final expense whole life coverage — including no medical exam plans for ages 50–75. Prefer to talk in person? Local appointments are available; most Arizona clients still choose our same-day electronic application.

AZ Insurance License #1800003884

California

Searching for final expense insurance for seniors in California — Los Angeles, San Diego, Sacramento, Fresno, Riverside, the Bay Area, or anywhere in between? We're fully licensed in California and deliver quotes, e-applications, e-signatures, and policy documents electronically, so distance never delays your family's protection.

CA Insurance License #0F71906

Indiana

Hoosier families in Indianapolis, Fort Wayne, Evansville, South Bend, Carmel, Bloomington and throughout Indiana trust ASJ Insurance for affordable burial and funeral insurance with no medical exam. Our all-electronic process means Indiana seniors can apply from home and often receive same-day approval decisions.

Licensed in Indiana — verify via NPN 8514223 at NIPR.com

Michigan

From Detroit, Grand Rapids, Warren, Lansing, Flint, Ann Arbor to the Upper Peninsula, Michigan seniors ages 50–75 can lock in whole life final expense coverage with fixed premiums in a single phone call and a few clicks. No agent visit required — your policy is delivered securely by email.

Licensed in Michigan — verify via NPN 8514223 at NIPR.com

Straight Answers From Licensed Agents

Final Expense Insurance FAQs

The questions Arizona, California, Indiana, and Michigan families ask us most before they apply.

How much does final expense insurance cost for a 65 year old?

Most healthy 65-year-olds can secure $10,000–$15,000 of final expense whole life coverage for roughly the cost of a few restaurant meals per month. Exact premiums depend on your age, gender, state, tobacco use, coverage amount, and health answers. Because premiums are locked at your issue age and never increase, applying at 65 will always cost less than the identical policy at 66 — the two-minute survey above shows your personal rate.

Can I get burial insurance with no medical exam if I'm over 60?

Yes. The final expense plans we offer for ages 50–75 use simplified underwriting — a short set of health questions instead of a medical exam, bloodwork, or doctor's visit. Many applicants receive an approval decision the same day through our electronic application. Even with conditions like diabetes, high blood pressure, or a past heart event, coverage is often available.

What does final expense whole life insurance actually cover?

The policy pays a tax-free lump-sum cash benefit directly to your beneficiary. Families typically use it for funeral and burial or cremation costs, a headstone or memorial service, final medical and hospice bills, small remaining debts or credit cards, and travel for out-of-state family. There are no restrictions — your loved ones decide how the money is used.

How fast can I get final expense coverage in place if I apply online?

Faster than you'd expect. Our process is 100% electronic from application to policy delivery: complete the survey, finish the e-application with a licensed agent, e-sign from your phone or computer, and many carriers issue an approval the same day. Your official policy documents arrive by secure email — no waiting on postal mail, no in-home agent visit required.

Is final expense insurance worth it for seniors on a fixed income?

For most seniors, yes — it's specifically designed for fixed incomes. Coverage amounts of $5,000–$50,000 keep premiums modest and predictable: your payment is guaranteed never to increase and the coverage never expires as long as premiums are paid. Compare that to leaving a $9,000+ funeral bill to children who may be raising families of their own, and the small monthly premium is often the most loving line item in the budget.

What's the difference between final expense insurance and prepaid funeral plans?

A prepaid funeral plan locks your money into one specific funeral home and its contracted services — a problem if you move, the business closes, or prices change. Final expense whole life insurance pays cash to the person you choose, who can use it at any funeral home, in any state, for any need. See our full comparison table above for a side-by-side breakdown against term life and guaranteed issue plans too.

Can I be turned down for final expense insurance because of my health?

Simplified-issue plans have some health questions, so certain serious conditions may affect eligibility or pricing — but because ASJ Insurance is an independent agency representing multiple top-rated carriers, a "no" from one carrier is rarely the end of the road. For significant health challenges, guaranteed issue whole life (no health questions, with a 2–3 year graded waiting period) remains an option. A licensed agent will tell you honestly which plan fits your situation.

Do you offer final expense insurance near me if I live outside Arizona?

If you live in Arizona, California, Indiana, or Michigan — yes. ASJ Insurance & Financial Services Inc. (Agency NPN 8514223) is licensed in all four states, and our fully electronic process gives you local-agency service no matter where in those states you live. You can verify our licensing anytime through the National Insurance Producer Registry (NIPR) or your state's Department of Insurance.

Will my premiums go up or my coverage go down as I get older?

No. That's the defining promise of whole life final expense coverage: once your policy is issued, the premium is contractually locked and the death benefit never decreases, regardless of age or future health changes. This is exactly why applying at your current age — before your next birthday — secures the lowest rate you'll ever be offered.

How do I verify ASJ Insurance is a legitimate licensed agency?

We encourage it. Look up Agency NPN 8514223 through the National Insurance Producer Registry (NIPR), or verify our state licenses directly: Arizona License #1800003884 and California License #0F71906 through those states' Departments of Insurance, along with our Indiana and Michigan licenses. You can also call our Peoria, AZ office at 480-680-9215.

Your Family Will Never Forget That You Did This for Them.

Two minutes today can spare your children thousands of dollars — and an impossible burden — tomorrow. Rates only go up with each birthday. Lock yours in now.

Start My 2-Minute Application Prefer to talk? Call 480-680-9215

Don't Leave Your Family a Bill.Leave Them Peace of Mind.