Final expense · whole life

The Legacy Shield

A small whole-life policy with one job: the last bill your family ever gets is already paid.

What it actually costs

What the last bill looks like

Funeral with viewing & burial$8,300
Burial vault (often required)$1,700
Plot, opening & marker$2,800
Last medical, legal & travel$2,200
A typical all-in total$15,000

Funeral median: NFDA (viewing + burial). Other lines are typical ranges — they vary widely by region and choices.

Three promises
  • The premium is fixed for life. It never increases, no matter your health or age.
  • The coverage never expires. Whole life stays in force as long as the premium is paid.
  • The benefit pays income-tax-free, usually within days of the claim — before the funeral bill is due.
Your numbers

Right-size the coverage

Enough to close every account with dignity — not a dollar of premium more than needed.

65
$15,000
Most families land between $10,000 and $30,000.
Included on most plans we write: a terminal-illness rider at no cost, and the death benefit pays income-tax-free, usually within days of the claim — before the funeral bill is due.
Ballpark monthly premium
$0–$0

fixed for life — actual rate set by health answers, gender, tobacco use, and carrier

Coverage vs. the typical bill ($15,000)

Ballpark uses industry-typical simplified-issue rates by age. It is not a quote. The carrier's issued policy governs.

Book your call

Fifteen minutes. Real numbers. Zero pressure.

Most approvals are simplified-issue — health questions, no exam, often same-day. I shop it across 20+ carriers and tell you plainly which one fits.

Get my numbers — 15 min