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This is not a government agency. Planning Insurance is a licensed insurance agency that helps connect you with final expense life insurance plans.

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01 Coverage available now

Protect your family's future with dignity.

Funeral and burial costs can be a heavy burden. Don't leave your loved ones to cover them alone.

Affordable whole life coverage — rates never increase, coverage never decreases.

Call (855) 617-1493 Find my plan
50K+
Families protected
No exam
To qualify
50–85
Ages welcome

Find your coverage

No obligation. A licensed specialist will call you back to help you find a plan that fits.

By submitting you agree to be contacted by a licensed agent, including by automated means. Consent is not required to purchase. Msg & data rates may apply.

02 / Why choose us

Coverage designed for peace of mind.

01

No medical exam required

No doctor visits, no blood tests, no lengthy health questionnaires. Just answer a few simple questions to qualify.

02

Fast coverage

Apply in minutes and get approved the same day. Coverage can begin right away with no waiting period on many plans.

03

Affordable, locked-in rates

Affordable whole life plans to fit most budgets. Your premium is locked in and will never increase, no matter your age or health.

04

Ages 50–85 welcome

Designed for seniors. Pre-existing conditions are OK — most people between 50 and 85 can qualify for coverage.

03 / Coverage

What's covered.

Your policy provides a tax-free cash payout your family can use for any of these expenses — there are no restrictions on how the money is spent.

  • Funeral services 01
  • Burial costs 02
  • Cremation expenses 03
  • Outstanding medical bills 04
  • Legal & estate fees 05
  • Other final expenses 06
04 / How it works

How it works.

  1. 01 STEP

    Call or request a quote

    Reach out by phone or fill out our simple online form — it takes about two minutes.

  2. 02 STEP

    Answer a few simple questions

    No medical exam. No blood tests. Just a quick, easy conversation with a licensed agent.

  3. 03 STEP

    Get covered

    Choose a plan that fits your budget. Coverage can start immediately on many policies.

05 / Member stories

Families we've helped.

Q.01
“When my husband passed, I didn't have to worry about how to pay for the funeral. The policy covered everything, and my family could focus on grieving together instead of scrambling for money.”
Margaret T.
Policyholder since 2021
Q.02
“I was worried I wouldn't qualify because of my diabetes. But the process was so easy — no exam, no blood work. I was approved the same day and my rate will never go up.”
Robert J.
Age 72 · Policyholder since 2023
Q.03
“I got this for my mom. She's 78 and the monthly cost is very affordable. Knowing she's covered gives our whole family peace of mind. The agent was patient and explained everything clearly.”
Linda & Carol S.
Daughter & mother · since 2022
06 / FAQ

Anything else worth asking.

F.01 Can I qualify if I have health problems? +
Yes. Most final expense plans have no medical exam requirement. Pre-existing conditions like diabetes, heart disease, COPD, and cancer history are commonly accepted. Guaranteed issue plans are available for those who may not qualify for simplified issue coverage.
F.02 Will my rates ever increase? +
No. Your premium is locked in at the rate you sign up for. It will never increase regardless of age or changes in health. This is whole life insurance — your coverage never expires as long as premiums are paid.
F.03 How much coverage do I need? +
Coverage amounts vary by family and are often chosen to help cover funeral, burial, and related final costs. A licensed specialist can help you determine the right amount based on your needs during a no-obligation call.
F.04 Is there a waiting period before coverage begins? +
It depends on the plan. Simplified issue plans often provide immediate full coverage from day one. Guaranteed issue plans (no health questions) typically have a two-year graded period. Your specialist will explain your options so you can make the best choice.
07 / Get started

Find your coverage today.

Speak with a licensed specialist who can help you find the right coverage for your family — with no obligation.

No-cost guidanceNo obligationLicensed agents
Call (855) 617-1493

Mon–Fri, 8am–8pm EST