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Trusted by families since 1984

Protect the ones you love most

Don't leave your family with unexpected expenses. Our affordable final expense insurance plans give you peace of mind โ€” and it only takes a few minutes to get covered.

40+
Years of Service
50+
Team Members
4.9
Google Rating
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4.9 out of 5
Based on Google Reviews
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A+ Rated Carriers
Mutual of Omaha
AIG
Transamerica
Foresters
Gerber Life
Prosperity Life
Royal Neighbors
Why Choose Us

Insurance that actually makes sense

We cut through the confusion and help you find the right coverage at the right price โ€” no pressure, no jargon, just honest guidance.

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Rates That Fit Your Budget

We work with over a dozen top-rated insurance companies to find you the most affordable rates โ€” plans can start as low as $20/month.

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No Medical Exams

Most of our plans require no physical exams or blood work. Just answer a few simple health questions over the phone and you can be approved the same day.

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Real People, Real Help

You'll talk to a licensed agent who listens, not a chatbot. We're here to answer your questions and help you make the best decision for your family.

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Same-Day Coverage

Once approved, your coverage begins immediately. There's no waiting period for most applicants โ€” your family is protected from day one.

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Locked-In Rates

Your premium will never go up and your coverage will never go down. What you're quoted is what you'll pay โ€” guaranteed for life.

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Lifetime Support

Our relationship doesn't end after the sale. We have a full customer service team to help you anytime you have questions or need to make changes.

How It Works

Get covered in 4 simple steps

No complicated forms, no lengthy appointments. Just a quick, friendly phone call is all it takes.

1

Call or Request a Quote

Reach out by phone or fill out our simple online form. No obligation, no pressure.

2

Speak With an Agent

A licensed agent will walk you through your options and answer every question you have.

3

Choose Your Plan

Pick the coverage amount and monthly payment that fits your budget โ€” from $5,000 to $35,000.

4

You're Protected

Your policy is active immediately. Relax knowing your loved ones are taken care of.

Our Story

Family-owned. Family-focused.

Founded by Kim and Ellen Jo Wilhelm in 1984, Final Expense Direct started with a simple mission: help families protect themselves without breaking the bank.

In 2007, we became the first company in the industry to sell final expense insurance entirely over the phone โ€” making it easier than ever for seniors across America to get the coverage they need.

"We believe nobody should have to worry about being a financial burden to the people they love. That's why we do what we do."

1984
Year Founded
1st
Over-the-Phone Agency
50+
Team Members
Learn More About Us โ†’
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Learn More

Insurance doesn't have to be confusing

We've put together simple, easy-to-understand guides to help you make the right decisions.

What People Say

Real reviews from real families

4.9
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Based on Google Reviews
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"The whole process was so easy. My agent was patient, explained everything clearly, and I was covered the same day. I wish I had called sooner."

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Margaret T.
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"I was nervous about finding insurance at my age, but they made it so simple. No exam, no hassle, and my rate is locked in forever. Couldn't be happier."

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Robert K.
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"After my husband passed, their team helped my family with the claim quickly and compassionately. They truly care about the people they serve."

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Sandra L.
Ready to Get Started?

Your family deserves peace of mind

It takes just a few minutes to find out how affordable coverage can be. No obligation, no pressure โ€” just answers.

๐Ÿ“ž (800) 788-8560
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