See your real price in two minutes.
Compare guaranteed rates from 10+ trusted carriers for small whole-life policies that cover funeral and burial costs. No medical exam, no spam — just the price you’d actually pay.
Three steps. No surprises.
Skip the sales pitch. Compare prices first, talk to an agent only if you want to apply.
- 1
Answer 5 quick questions
Gender, date of birth, state, tobacco use, and how much coverage you want. About two minutes.
- 2
Compare quotes side-by-side
We pull indicative pricing from 8+ partner carriers and show you the cheapest plan you qualify for.
- 3
Talk to a licensed agent
If you want to bind a policy, an agent calls you to confirm pricing and walk you through the application.
Coverage built for every situation
Final Expense
$5K – $50K
Small whole-life policies built to cover funeral and burial costs.
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Whole Life
$25K +
Permanent coverage with fixed premiums and cash value.
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Term Life
$100K +
Cheapest large-coverage option, fixed period of 10–30 years.
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Guaranteed Issue
$5K – $25K
No health questions, cannot be denied. Fallback when others won't accept.
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Built for the person, not the sale.
Independent guidance
Same scoring rule for every carrier in our panel. Carriers can't pay for placement.
Real human writers
Articles written and edited by humans with insurance domain knowledge. No AI-generated editorial.
No spam, ever
We don't sell or rent your information. The only call you'll get is from the agent you chose.
What customers say
TODO: replace placeholder testimonials with real reviews once collected.
“I had a quote in 90 seconds and a policy in force the next day. The agent never tried to upsell me.”
Linda M.
Florida · Age 67
“Other sites wanted a phone number before showing any prices. SureChoice just showed me the table.”
Robert K.
Texas · Age 71
“I was declined twice elsewhere because of my heart condition. SureChoice found me a graded plan that fit.”
Patricia W.
Ohio · Age 64
What you might be wondering.
Do I need a medical exam?
No. Every carrier in our panel offers no-medical-exam coverage. Some plans ask basic health questions to qualify for the cheapest tier; guaranteed-issue plans ask none.
How much coverage should I buy?
Average burial costs about $8,300 nationally; cremation about $5,500. Most buyers pick $10K–$15K to cover the funeral plus a small buffer for outstanding bills.
When does my coverage start?
Level (day-one) plans start the moment you pay your first premium. Graded plans pay 30%/70%/100% in years 1/2/3+. Guaranteed-issue plans return premium plus interest in years 1–2 and full benefit from year 3.
Can I be denied?
You can be declined for level or graded plans based on health. You cannot be denied a guaranteed-issue plan if you're within the carrier's age range. Our calculator shows you the best plan tier you qualify for.
Will my premium go up?
No. Final-expense whole-life premiums are level — fixed at the price you locked in when the policy was issued. They don't change with age or health.
What if I change my mind?
Every state requires a free-look period (typically 10–30 days). You can cancel for any reason within that window and receive a full refund.
Ready to see your real price?
Two minutes, no obligation. Compare quotes from 22+ carriers.