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America's Trusted Final Expense Provider

Burial Insurance That
Truly Protects

Guaranteed acceptance final expense coverage for seniors ages 50-85. No medical exams, no waiting periods on select plans, and rates that never increase. Starting at just $19/month.

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4.9/5 from 24,000+ policyholders nationwide

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Save Up to 40%Vs. other carriers
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Lifetime Rate LockNever increases
Coverage Plans

Final Expense Options for Every Family

From basic burial coverage to comprehensive final expense plans, we help you find the right protection that fits your budget and gives your loved ones peace of mind.

Guaranteed Acceptance

No health questions asked. Guaranteed approval for ages 50-85 regardless of medical history. Coverage starts at $5,000 and goes up to $25,000.

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Simplified Issue Plans

Answer just a few health questions for lower premiums and higher coverage amounts up to $50,000. No medical exam required.

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Level Benefit Coverage

Full immediate death benefit from day one. Best rates for those in good health. Coverage amounts from $10,000 to $100,000 available.

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Family Protection Plans

Cover multiple family members under one policy structure. Spousal riders and child/grandchild benefit options available.

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High-Risk & Guaranteed

Specialized plans for seniors with diabetes, heart conditions, COPD, cancer history, and other high-risk health conditions.

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Accidental Death Rider

Add double indemnity for accidental death. Pays twice the face amount if death occurs due to a covered accident.

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Senior couple reviewing insurance documents together
100%
Claims Paid on Time
Why Families Trust Us

We Do not Just Sell Policies -- We Protect Legacies

Apex Final Expense has helped over 24,000 American families secure their loved ones' futures. Here is what sets us apart from every other provider in the industry.

Instant Approval Available

Many of our plans offer same-day coverage activation. Get protected immediately without weeks of waiting or endless paperwork.

No Medical Exams Ever

Every plan we offer is 100% exam-free. Just answer a few simple health questions -- or none at all with our guaranteed acceptance option.

A+ Rated & Fully Licensed

We partner only with top-rated carriers holding A.M. Best ratings of A- or higher. Every agent is state-licensed and extensively trained.

30-Day Money-Back Guarantee

Not satisfied? Cancel within 30 days for a full refund, no questions asked. We believe in our service enough to let you try it risk-free.

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Simple Process

Covered in 3 Easy Steps

No complicated paperwork. No pushy sales tactics. Just straightforward final expense coverage that protects your family.

1

Get Your Free Quote

Fill out our 60-second form or call 844-414-1927. A licensed agent will review your needs and present the best plans from top-rated carriers.

2

Choose Your Plan

Compare options side-by-side with no pressure. Pick the coverage amount, premium, and carrier that fits your budget and goals perfectly.

3

Secure Your Legacy

Sign electronically and your coverage activates immediately. Receive your policy documents via email within 24 hours. Sleep soundly knowing your family is protected.

Real Stories

What Our Policyholders Say

Do not take our word for it. Here is what real families across America have to say about their experience with Apex Final Expense.

"

After my husband passed, I was so worried about leaving my children with funeral costs. Apex found me a $15,000 guaranteed policy for only $42 a month. The agent was patient, kind, and never made me feel rushed. I finally have peace of mind.

EW
Eleanor WhitfieldPolicyholder in Raleigh, NC
"

I have diabetes and a heart condition, and two other companies turned me down. Apex got me approved in under 10 minutes with no exam. My premium is locked at $68 for $20,000 coverage. I only wish I had found them sooner.

HR
Harold R. BrennanPolicyholder in Tucson, AZ
"

My mother had a policy with another company that kept raising rates every year. We switched her to Apex and locked in a level premium. The agent explained everything so clearly, and the whole process took one phone call. Outstanding service.

MC
Margaret C. DonovanPolicyholder in Orlando, FL
"

I was skeptical about getting insurance over the phone, but the Apex agent sent me everything in writing before I paid a penny. My policy was active the same day. When I had questions about beneficiaries, they answered immediately. Truly professional.

GS
Gerald S. PattersonPolicyholder in Denver, CO
"

At 78, I thought no one would insure me. Apex not only approved me but found a plan $30 cheaper than what I was quoted elsewhere. The application was simple, and I got my policy cards in the mail within a week. Highly recommend.

VL
Verna L. HollowayPolicyholder in Portland, OR
"

When my father passed, his Apex policy paid out within 48 hours. The claims process was seamless -- one phone call and a death certificate. That $12,000 coverage meant my family did not have to go into debt for funeral expenses. Forever grateful.

DK
Dorothy K. NilesBeneficiary in Memphis, TN

Ready to Protect Your Family's Future?

Join thousands of American families who trust Apex Final Expense. Get your free, no-obligation quote today -- no pressure, no gimmicks, just honest coverage you can count on.

Get My Free Quote Call 844-414-1927

Prefer to talk? Call us toll-free at 844-414-1927. Licensed agents available 24/7.

Common Questions

Everything You Need to Know

Got questions? We have got answers. Here is what most seniors and their families ask before getting coverage with Apex.

Senior couple discussing final expense insurance with agent
What exactly is final expense insurance?

Final expense insurance is a type of whole life insurance designed to cover end-of-life costs like funeral services, burial or cremation, medical bills, and outstanding debts. Policies typically range from $5,000 to $50,000 and are specifically tailored for seniors ages 50-85.

Will my rates ever increase?

Never. All plans we offer feature locked-in premiums that stay the same for life. Your monthly payment at age 70 will be identical when you are 95. This is one of the core guarantees of every policy we recommend.

Can I be denied coverage due to health issues?

No. Our guaranteed acceptance plans have no health questions and approve everyone ages 50-85 regardless of medical history. We also offer simplified issue plans with just a few health questions for better rates if you qualify.

How quickly does coverage begin?

Level benefit plans provide full immediate coverage from day one. Some guaranteed plans have a graded benefit for the first two years, meaning if death occurs during that period, your beneficiaries receive all premiums paid plus interest. We explain every detail before you buy.

What happens if I miss a payment?

All policies include a 31-day grace period. If you pass away during the grace period, the full death benefit is paid minus the overdue premium. Most carriers also offer reduced paid-up options if you can no longer afford premiums, keeping some coverage in force.

Can I name anyone as my beneficiary?

Yes. You can name any person, multiple people, or even a trust or funeral home as your beneficiary. You can change beneficiaries at any time with no fees or penalties. We help you structure this properly during your application.