Compare final expense plans in minutes.
See real rates from top-rated carriers like Mutual of Omaha, Aetna, and CoreBridge Direct, then apply by phone with a licensed agent and get approved the same day.
Three simple steps
Age, ZIP, and how much coverage you want. No medical exam, no needles, no doctor visit.
We instantly pull live prices from the nation's top final expense carriers so you can see them all in one place.
A licensed agent helps you lock in your plan over the phone. Many applicants are approved the same day.
Qualify with a few simple health questions, or none at all.
Decisions in minutes for most applicants. Coverage can start today.
Real licensed humans, never a robocall. Free, friendly guidance.
Find a lower rate on the same plan and we'll match it. Period.
Speak with a licensed agent, free of charge.
No pressure, no jargon. Our agents will walk you through your options and answer every question at your pace.
"I compared six companies in about ten minutes and saved almost $20 a month. The agent was patient and never pushy."
"No exam, no doctor. I answered a few questions and was approved the same afternoon. Such a relief to have it handled."
"I did it for my mom so she wouldn't worry. Seeing every price in one place made the decision easy."
Common questions
What is final expense insurance?+
It's a small whole-life policy designed to cover funeral costs, medical bills, and other end-of-life expenses, typically $2,000 to $25,000, so your family isn't left with the bill.
Do I need a medical exam?+
No. Most plans ask only a few simple health questions, and guaranteed-issue options ask none at all. There's never a needle or doctor visit.
Will my rate ever go up?+
No. These are whole-life policies with level premiums, so your rate is locked in for life and your coverage never expires as long as premiums are paid.
Is Align free to use?+
Completely free. We're an independent marketplace paid by the carriers, so comparing and applying through Align never costs you a penny more than going direct.
Align Final Expense is a licensed independent insurance marketplace, not an insurance company. We do not issue policies. Carrier names and logos are the property of their respective owners and are shown for comparison purposes only.
Sample rates are illustrative and not a guarantee of coverage or price. © 2026 Align Final Expense. All rights reserved.