48 hrs

Agent callback guaranteed

Protect Your Legacy

Your Family Has72 Hours to Come Up With the Money.Make Sure They Don't Have To.

Most funeral homes won't release anything until the bill is paid — plans start at $23/month with no exam required, and a licensed agent will walk through your options within 48 hours.

← Takes only 45 seconds

What's your age range?

Step 1 of 9, takes about 60 seconds

Age 50–60

Age 61–65

Age 66–70

Age 71+

What's your gender?

Step 2 of 9, insurers rate men and women separately

Life insurance rates are calculated separately for men and women. Every application asks for it.

Male

Female

Do you use tobacco?

Step 3 of 9, affects your rate estimate

Tobacco use affects your rate. Non-tobacco users typically pay 30–50% less per month. Either way, most applicants still qualify.

No tobacco use

Yes, I use tobacco

How's your health these days?

Step 4 of 9, just helps us find the right options for you

Even with health conditions, most people ages 50–75 still qualify. Most final expense plans require no medical exam, just a couple quick questions.

Excellent

Good

Fair

Managing conditions

What coverage amount do you need?

Step 5 of 9, covers funeral + final expenses

The average U.S. funeral costs $11,800. Most people choose $10k–$25k to cover the funeral plus outstanding bills and leave something behind.

$5,000–$10,000 (covers basic funeral costs)

$10,000–$25,000 (funeral + outstanding debts)

$25,000+ (full coverage, leave something behind)

Who would this coverage go to?

Step 6 of 9, the person your agent will list on the policy

Your beneficiary is who receives the payout. Naming one now saves a step at application time, and you can change it later.

My spouse or partner

My children

Another family member

I haven't decided yet

Do you already have any life insurance?

Step 7 of 9, helps your agent know what you're starting from

Knowing what you already have helps your agent recommend the right amount instead of guessing.

Yes, but not enough

Yes, I think it's enough

No, none at all

When are you looking to get coverage in place?

Step 8 of 9, almost done

This just helps us prioritize getting you a real answer quickly if you need one soon.

As soon as possible

Within the next few months

Just exploring my options

Last step, where should we send your rate?

A licensed agent will reach out within 48 hours with your rate — reviewing it costs nothing and commits you to nothing.

Best time for your agent to reach you?

Morning

Afternoon

Evening

Anytime

By submitting, you agree that Clearpath Quote will match you with one licensed insurance agent, who will contact you by phone, text, or email regarding final expense insurance coverage — including by automatic telephone dialing systems and prerecorded or artificial voice messages. Consent is not a condition of purchase. Msg & data rates may apply. You may opt out at any time.

You're All Set

Here's what happens next: a licensed agent will review your answers and reach out within 48 hours by phone or text. They'll walk through your actual rate, answer any questions, and give you as much time as you need to decide. No pressure, no commitment required.

0Families protected this month

$26.80Avg monthly cost

94.7%Approval rate

38–46 hrsAvg. time to active coverage

How It Works

Take the 45-Second Quiz

Answer 4 quick questions about your age and health — we only ask for personal info once you're ready to move forward.

A Licensed Agent Calls You

Within 48 hours, a licensed agent walks through your options and gives you your actual rate, plainly and without a sales pitch.

Lock In Coverage: No Exam

Choose the plan that fits and pay your first month — coverage is typically active the same week, with no doctor visit needed.

An elderly woman in quiet reflection, looking down

$11,800

Average funeral cost in the U.S., 2024

"We didn't even have time to grieve."

Her husband died on a Tuesday. By Thursday, the funeral home needed a deposit. By the following Monday, she was on the phone with her bank trying to explain why she needed $9,000 moved before the weekend.

He wasn't sick. There was no warning. He just never got around to it, figured they had more time.

Find out what a plan would have cost him →

She had 11 days to pull together $14,000 while planning a funeral, fielding calls from family, and sleeping maybe three hours a night.

That's the situation this coverage exists to prevent. Not for you. For whoever picks up the phone when it happens.

Don't leave your family with that phone call to make. See your rate in 45 seconds →

See What Your Plan Could Cost Before You Commit

Age Range

Tobacco Use

Overall Health

Your Estimated Monthly Cost

$22 – $34/mo

Based on $10k–$25k coverage · Exact rate set by licensed agent

Quotes from top-rated carriers including

Mutual of Omaha

Transamerica

AIG

Foresters

Gerber Life

Americo

Common Questions

Will health conditions disqualify me?

Most applicants ages 50–75 still qualify, even with managed conditions like diabetes, heart disease, or COPD. Final expense plans often require no medical exam, just a few health questions. Our agents will match you to the carrier most likely to approve you.

How quickly will an agent reach out?

Within 48 hours. A licensed agent will call or text you with your rate, no pressure, no obligation to purchase anything.

Is this a real insurance company?

Yes. You'll be connected with a licensed insurance agent who shops quotes from A-rated carriers including Mutual of Omaha, Transamerica, and AIG. There's no obligation to purchase anything, and no pressure on the call.

What if I already have some life insurance?

That's common. Final expense coverage is often added alongside an existing policy to specifically cover burial costs and end-of-life expenses, which a general life policy may not fully address. Your agent can help you identify whether a gap exists and what makes sense to fill it.

How soon does coverage start after I enroll?

For most applicants, coverage is active the same week you enroll. There's no waiting period for accidental death; natural cause coverage typically has a 2-year graded benefit period. Your agent will walk you through the exact terms for whichever carrier approves you.