Final expense life insurance helps pay for your funeral and final bills. A licensed agent calls you at a time you pick, asks a few health questions and gives you your real price. No obligation.
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Coverage from $5,000 to $100,000. Amount and price depend on age, health and state; not everyone qualifies.
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No medical exam. Your answers to a few health questions decide if you qualify.
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Some policies have a waiting period: if death from illness happens in the first two or three years, they pay a limited amount, not the full benefit.
Who calls you
Herik Milliron
Licensed life insurance agent
U.S. Navy veteran
NPN 22206979
"I grew up outside Pittsburgh and served six years in the U.S. Navy as a sonar technician and a search and rescue swimmer. Looking out for people has always been my job, and it still is. Today I live in Miami with my wife. On our call, I'll explain your choices in plain English and give you your real price. Then you decide."
He calls from (645) 400-6040. The call takes about 10 to 15 minutes.
Question 1 of 6
What it really costs
Real monthly prices from quotes we gave this fall, for $10,000 of whole life coverage, non-smokers.
| Ages | Monthly |
|---|---|
| 50–59 | about $30 |
| 60–69 | $35 to $75 |
| 70–79 | $55 to $130 |
- Examples from real quotes National Brokerage Atlantic gave in September–October 2026.
- Monthly premiums for $10,000 of whole life insurance, non-smokers, men and women, by age when applying.
- These are a composite of policies from several insurance companies, not one policy, and not every policy is available in every state.
- Lowest-rated insurer in these examples: A-, A.M. Best.
- Your price depends on your age, health, sex, tobacco use and state. Some health conditions mean a higher price or a policy with a waiting period. A licensed agent gives you your exact price.
Some policies have a waiting period: if death from illness happens in the first two or three years, they pay a limited amount, not the full benefit.
How it works
Answer a few short questions
About a minute. Nothing here decides your price yet.
Pick a time for your call
Choose a day and time that suits you, or ask us to call as soon as we can.
A licensed agent calls you
Herik Milliron calls from (645) 400-6040, asks a few health questions and gives you your real price. No obligation.
Questions people ask
What is final expense life insurance?
A small whole life insurance policy. When you die, it pays money to the person you choose. They can use it to help pay for a funeral, cremation or final bills.
Does the price go up as I get older?
On whole life policies, the price is set when you start and doesn't go up with age.
Do I need a medical exam?
No medical exam. Your answers to a few health questions decide if you qualify. Some policies accept most health histories and have a waiting period.
What is a waiting period?
Some policies pay a limited amount, not the full benefit, if death from illness happens in the first two or three years. Your agent tells you before you apply if a policy has one.
Can I set this up for my mom or dad?
Yes, together with them. The person being covered joins the call, answers the health questions and agrees to the policy. You can help compare and, if you choose, pay the monthly price.
What happens to my phone number?
We use it only to call you about life insurance, and to text you if you choose. We don't sell your information. We share it only with service providers who run our phone, texting and customer-records systems for us; they may not use it for anything else. Privacy policy