Leave your family memories, not bills.
Final expense & term life insurance — over the phone, in plain English.
No kitchen-table sales visits. No pressure. No jargon. One honest conversation with a licensed agent, and your family is taken care of.
Speak with a licensed agent
(877) 222-2022Plain English, no jargon
What is final expense insurance?
It's a simple life insurance policy designed to cover the costs your family faces when you pass — the funeral, the service, and the bills that come with saying goodbye — so the people you love get memories, not debt.
Manageable monthly cost
Smaller coverage amounts than traditional life insurance, so premiums stay within a fixed-income budget.
Simple application
Most people answer a few health questions over the phone. Most plans don't require a medical exam.
Built for ages 50–85
Designed for people who want to make sure their family is never left with the bill — whatever their health history.
The phone-first model
How it works — three steps
You call (or we call you)
One phone call. No stranger at your kitchen table, no two-hour presentation. Just a real conversation about what your family would need.
You get straight answers
A licensed agent walks you through your options in plain English — what it costs, what it covers, and what it doesn't. If it's not a fit, we'll tell you.
Your family is protected
Most people are covered the same week. From then on, your family never has to wonder how they'd pay for the hardest day of their lives.
More than most people realize
What does it actually cover?
- The funeral, burial or cremation
- The service and ceremony
- Outstanding medical bills
- Small debts and final costs
- Whatever your family needs most
One policy. No bill left behind.
Straight answers
Questions families actually ask
How much does a funeral actually cost?
According to the National Funeral Directors Association, the median cost of a funeral with a viewing and burial is about $8,300 — closer to $10,000 once you add a vault, before flowers or the reception. Cremation services typically run lower, but still thousands. Most families don't have that set aside.
Do I need a medical exam?
Usually not. Most final expense plans are underwritten from a short set of health questions answered over the phone. Some carriers also check a prescription history. Your agent will tell you exactly what a given carrier asks before you apply.
I'm on a fixed income. Can I afford this?
That's the point of final expense coverage — the benefit amounts are smaller than traditional life insurance, so the premium fits a fixed budget. Your agent will show you what different coverage amounts cost per month and let you decide. If nothing on the table works for you, they'll say so.
Can my family use the money for other things?
Yes. The benefit is paid to the beneficiary you name, in cash. Most families use it for the funeral first, but it is theirs to spend — medical bills, a mortgage payment, groceries for a few months. Nobody dictates where it goes.
Why over the phone instead of in person?
Because a home visit costs you an afternoon and puts a salesperson in your living room. A phone call gets you the same licensed agent, the same carriers, and the same rates — and you can hang up whenever you want.
What if I've been turned down before?
Being declined by one carrier doesn't mean you're uninsurable. Carriers underwrite health conditions differently, and guaranteed-issue plans exist for people who can't qualify elsewhere. Tell your agent what happened and they'll work from there.
How do I stop calls or text messages?
Reply STOP to any text message from us and the texts stop immediately. Ask any agent to put you on our internal Do Not Call list, or email support@americanprotectionplan.com, and the calls stop too. Consent is never a condition of buying a policy, and you can withdraw it at any time.
One call. That's it.
Talk to a licensed agent today
(877) 222-2022Monday–Friday, 9am–7pm ET · No pressure, no obligation