Cover your funeral so your family doesn't have to.
Final expense insurance is a small, no-exam whole life policy — usually $5,000 to $25,000 — that pays your family a tax-free benefit to cover funeral, burial or cremation costs. There's no medical exam, the rate is locked in for life, and most Dayton seniors are approved with just a few health questions. If your health is a concern, guaranteed-acceptance coverage with no health questions is still available.
See your price in 60 seconds
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What a funeral actually costs in Ohio.
Most families underestimate this — and the bill lands within days, long before any estate is settled. Final expense coverage is sized to meet it head-on.
~$8,280
Traditional burial with viewing (Ohio)
~$6,120
Cremation with a service (Ohio)
$5K–$25K
Typical final expense coverage
Ohio funeral cost figures are area estimates and vary by provider and choices made. Cemetery plots, headstones and vaults are often additional.
Simplified issue vs. guaranteed issue.
These are two distinct products. I'll always try to get you the better one (simplified issue) first — but it's important you understand both, especially the waiting period on guaranteed issue.
Simplified issue — try this first
Full coverage from day one
- ✓ A few health questions, no exam
- ✓ Lower premium for the same benefit
- ✓ Full death benefit available immediately
- ✓ Best for most reasonably healthy applicants
Guaranteed issue — the safety net
No health questions, can't be declined
- ✓ No health questions at all — guaranteed approval
- ⚠️ 2-year waiting period: death from natural causes in the first 2 years refunds premiums + interest, not the full benefit
- ✓ Accidental death is covered from day one
- ✓ For those with serious health issues or prior declines
Final expense cost by age.
Whole life final expense locks your rate in for life — it never goes up. Here's a realistic starting point for simplified-issue coverage by age and gender.
| Age | Female | Male |
|---|---|---|
| 50 | $33/mo | $41/mo |
| 55 | $39/mo | $50/mo |
| 60 | $48/mo | $62/mo |
| 65 | $60/mo | $80/mo |
| 70 | $82/mo | $110/mo |
| 75 | $116/mo | $156/mo |
| 80 | $165/mo | $220/mo |
| 85 | $232/mo | $300/mo |
Sample monthly rates for illustration — starting points only, subject to health, carrier and underwriting. Your real quote may be lower. Not a guarantee of coverage or price.
| Age | Female | Male |
|---|---|---|
| 50 | $62/mo | $78/mo |
| 55 | $74/mo | $96/mo |
| 60 | $92/mo | $120/mo |
| 65 | $116/mo | $156/mo |
| 70 | $160/mo | $216/mo |
| 75 | $228/mo | $308/mo |
| 80 | $326/mo | $436/mo |
| 85 | $460/mo | $596/mo |
Sample monthly rates for illustration — starting points only, subject to health, carrier and underwriting. Your real quote may be lower. Not a guarantee of coverage or price.
I shop the senior-friendly carriers.
Final expense carriers each have their own health-question quirks — a condition one declines, another accepts at a standard rate. I know which is which, and I shop them for you.
| Carrier | Best for | No-exam option | Typical issue ages |
|---|---|---|---|
| Mutual of Omaha | Simplified-issue, day-one full coverage (healthy) | Yes — health questions only | 45–85 |
| Foresters | Member benefits + competitive senior rates | Yes — simplified issue | 50–85 |
| TruStage | Guaranteed acceptance (no health questions) | Yes — guaranteed issue | 45–80 |
| Ethos | Fast online application | Yes — simplified issue | 50–85 |
| Ameritas | Whole life with cash value | Yes — simplified issue | 45–85 |
Representative shelf — I shop 30+ companies and match the carrier to your age, health and budget. Availability and underwriting vary.
For Dayton seniors and families.
What Dayton-area seniors should know
- 📍Ohio's 30-day free look lets you review the policy risk-free before it's final (Ohio Dept. of Insurance).
- 📍A traditional Dayton-area funeral runs ~$8,000+ — the benefit goes straight to your family, tax-free, to pay it.
- 📍Your family receives cash, not a pre-paid plan tied to one funeral home — they choose how to use it.
- 📍Coverage is available across the 937 — Dayton, Kettering, Huber Heights, Springfield and beyond — with no exam.
Reviewed by Antwan Lawrence
Independent life insurance agent · Licensed in Ohio · Serving Dayton & the 937. Antwan is appointed with 30+ A-rated carriers and specializes in no-exam coverage for local families.
Last reviewed June 2026. Questions? Call or text (937) 554-7159.
Final expense questions, answered.
How much does a funeral cost in Ohio?＋
A traditional burial with a viewing in Ohio runs roughly $8,000–$9,000, and a cremation with a service is commonly around $6,000 — before cemetery, headstone or unexpected costs. Final expense insurance is designed to cover exactly these bills so your family isn't paying out of pocket while grieving.
What is final expense insurance?＋
It's a small whole life policy — usually $5,000 to $25,000 — built to cover funeral, burial or cremation costs and any small debts you leave behind. It never expires as long as premiums are paid, builds a little cash value, and the benefit pays your family tax-free.
Do I need a medical exam for burial insurance?＋
No. Final expense is no-exam by design. Most policies use simplified issue — a few yes/no health questions — and approval is often the same day. If your health rules out simplified issue, guaranteed-issue coverage with no health questions at all is still available.
What's the difference between simplified issue and guaranteed issue?＋
Simplified issue asks a few health questions; if you pass, your full benefit is available from day one and the rate is lower. Guaranteed issue asks NO health questions and can't be declined, but it carries a 2-year waiting period — if you pass away from natural causes in the first two years, the policy refunds your premiums plus interest rather than the full benefit (accidental death is covered immediately). I'll always try to qualify you for simplified issue first because it's better coverage at a better price.
Can I be turned down for final expense insurance?＋
You might be declined for a simplified-issue policy if you have serious recent health issues — but you can't be turned down for a guaranteed-issue policy. Being declined once does not mean you can't get covered. There's almost always an option.
Will my rate or coverage ever change?＋
No. With whole life final expense, your premium is locked in for life and your coverage amount never decreases. As long as you pay the premium, the policy stays in force and the benefit is guaranteed.
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Take this worry off your family's plate. It's simpler than you think.
No exam. Locked-in rate for life. A free quote takes a few minutes.