Best Final Expense Insurance Companies in 2025
Compare Coverage, Costs, and Customer Satisfaction
Choosing the right final expense insurance policy means finding a provider you can trust. Whether you're looking for low premiums, guaranteed acceptance, or top-rated customer service, this guide compares the best final expense insurance companies in 2025.
We break down coverage options, eligibility requirements, pros and cons, and what makes each insurer stand out.
Person reviewing burial insurance options
Table of Contents
- What to Look for in a Final Expense Insurance Company
- Top 7 Providers in 2025
- Comparison Table
- How to Choose the Right Policy
- Conclusion
What to Look for in a Final Expense Insurance Company
When evaluating burial insurance providers, consider these factors:
- Financial strength (look for A.M. Best ratings)
- Customer service reviews
- Application process (online, phone, agent-only)
- Eligibility (age, health requirements)
- Policy flexibility (coverage amounts, riders)
Top Final Expense Insurance Providers in 2025
1. Mutual of Omaha
Policy Name: Living Promise
- Eligibility: Ages 45–85
- Coverage: $2,000–$25,000
Pros: - Competitive premiums - No medical exam - A+ rating from A.M. Best
Cons: - Waiting period may apply for some health conditions
2. State Farm
Policy Name: Guaranteed Issue Final Expense
- Eligibility: Ages 45–80 (50–75 in NY)
- Coverage: $10,000–$15,000
Pros: - Excellent customer service - Builds cash value - A++ financial rating
Cons: - Limited coverage options - No online purchase
3. AARP / New York Life
Policy Name: AARP Permanent Life Insurance
- Eligibility: AARP members aged 50–80
- Coverage: $5,000–$25,000
Pros: - Guaranteed acceptance for members - A++ financial strength
Cons: - Must be an AARP member - 2-year waiting period
4. Gerber Life
Policy Name: Guaranteed Life Insurance
- Eligibility: Ages 50–80
- Coverage: $5,000–$25,000
Pros: - Simple online application - Locked-in premiums
Cons: - No living benefit riders - 2-year waiting period
5. Lincoln Heritage
Policy Name: Funeral Advantage
- Eligibility: Ages 40–85
- Coverage: $5,000–$20,000
Pros: - Includes family support service - Fast claims processing
Cons: - Higher premiums - No online quote
6. Ethos
Policy Name: Final Expense by Ethos
- Eligibility: Ages 65–85
- Coverage: $10,000–$30,000
Pros: - Fully online quote and apply - No medical exam
Cons: - Must apply online - Not available in all states
Comparison Table
| Company | Age Range | Coverage Range | Medical Exam | Rating | Online Quote |
|---|---|---|---|---|---|
| Mutual of Omaha | 45-85 | $2,000-$25,000 | No | A+ | No |
| State Farm | 45-80 | $10,000-$15,000 | No | A++ | No |
| AARP/New York | 50-80 | $5,000-$25,000 | No | A++ | No |
| Gerber Life | 50-80 | $5,000-$25,000 | No | A | Yes |
| Lincoln Heritage | 40-85 | $5,000-$20,000 | No | A- | No |
| Ethos | 65-85 | $10,000-$30,000 | No | A | Yes ✅ |
How to Choose the Right Policy
- Apply early: Rates increase with age
- Decide coverage need: Start with estimated funeral cost + debts
- Compare policies side by side: Use the table above
- Prefer online? Ethos and Gerber Life are easiest to apply with
Ready to see what you qualify for? Get Your Quote Here →
Conclusion
The best final expense insurance company for you depends on your priorities—whether it's lowest premium, easiest signup, or strongest financial backing. Use this guide to narrow your options, then get a personalized quote to compare.
Compare Quotes from Top Providers →
This article is for informational purposes only and should not be considered as professional financial or legal advice. Always consult with qualified professionals before making important insurance decisions.