One last gift to the people you love.
Final expense insurance is a small, affordable life insurance policy that pays for your funeral, burial, and final bills so your family doesn't have to. No medical exam. Rates locked in for life.
What is Final Expense Insurance?
A small whole life insurance policy, typically $10,000 to $25,000, designed to cover funeral and burial costs and small debts. It requires no medical exam, premiums never increase, and the benefit is paid to beneficiaries income-tax-free.
What it actually pays for
Funeral & burial costs
Average funeral runs $8,000 to $12,000. Final expense coverage takes that bill off your family's shoulders.
Medical bills left behind
Hospital and hospice bills can arrive weeks after a loss. The death benefit pays them, fast and tax-free.
Small outstanding debts
Credit cards, a small loan, a car note. Money your family can use to close the door cleanly.
A little something extra
Many families use part of the benefit as a small gift — a grandchild's tuition, a charitable donation, a memorial.
Who it's really for
Final expense isn't for people leaving a million-dollar estate. It's for the parent or grandparent who simply doesn't want to leave a bill behind. It's for the spouse who wants to know the funeral is already paid for. It's peace of mind that fits a fixed income.
Typical age range for new policies
Most common coverage amounts
Approval for most applicants
Check your rate in about two minutes
Answer a few simple health questions and see real final expense quotes from the carriers most likely to approve you. No medical exam, no obligation, and no one calls unless you ask us to.
Tell us the basics
Age, state, tobacco use, and the coverage amount you have in mind.
See your real rates
Live pricing from the carriers that fit your health profile, side by side.
Lock it in
We help you finish the application and your premium never goes up.
Rather have a person walk you through it? We will price it with you on the phone in about five minutes.
Call 848-272-3234Quotes are estimates and subject to carrier underwriting approval.
Not sure how much coverage you need?
One quick call and we'll size a plan to your actual funeral costs — nothing more, nothing less.
Available Mon–Fri, 9am–6pm ET.
Honest answers to the questions we hear most
Do I have to take a medical exam?
No. Final expense policies use simple health questions, not a physical exam. Most applicants are approved within minutes, and coverage typically starts the same day.
How much coverage do I need?
Most families choose between $10,000 and $25,000. We help you size it to your actual funeral costs and any debts you want covered — no upselling.
What does it cost?
Premiums depend on age and health, but a 65-year-old non-smoker can often get $15,000 of coverage for under $60 a month — locked in for life.
Can I be turned down?
Even people with serious health conditions can usually qualify for a guaranteed-issue policy. We'll find the carrier most likely to say yes for your situation.
Is the death benefit taxable?
No. Life insurance death benefits are paid to your beneficiary income-tax-free under current federal tax law.
Get a free quote in about five minutes.
No pressure, no obligation. Just a real number from a real person.
Where we write final expense
Licensed in 31 states
Our final expense coverage area matches our full service area. If we can help you with Medicare or retirement income in your state, we can quote burial and final expense coverage there too — by phone, video, or in person at our Red Bank and Bayville, NJ offices.
New Jersey Coverage Area
Final expense coverage across New Jersey
Simple burial and final expense policies for NJ seniors — quoted quickly from our Red Bank and Bayville offices, and delivered across these towns.
- Red Bank, Monmouth County, NJ
- Bayville, Ocean County, NJ
- Toms River, Ocean County, NJ
- Brick, Ocean County, NJ
- Jackson, Ocean County, NJ
- Lakewood, Ocean County, NJ
- Manahawkin, Ocean County, NJ
- Point Pleasant, Ocean County, NJ
- Middletown, Monmouth County, NJ
- Holmdel, Monmouth County, NJ
- Rumson, Monmouth County, NJ
- Freehold, Monmouth County, NJ
- Marlboro, Monmouth County, NJ
- Manalapan, Monmouth County, NJ
- Colts Neck, Monmouth County, NJ
- Howell, Monmouth County, NJ
- Wall, Monmouth County, NJ
- Long Branch, Monmouth County, NJ
- Asbury Park, Monmouth County, NJ
- Neptune, Monmouth County, NJ
- Old Bridge, Middlesex County, NJ
- East Brunswick, Middlesex County, NJ
- Edison, Middlesex County, NJ
- Woodbridge, Middlesex County, NJ
- Sayreville, Middlesex County, NJ
- Mount Laurel, Burlington County, NJ
- Medford, Burlington County, NJ
- Cherry Hill, Camden County, NJ
- Princeton, Mercer County, NJ
- Hamilton, Mercer County, NJ
Also serving Monmouth, Ocean, Middlesex, Burlington, Mercer, and Camden counties — plus the rest of New Jersey by phone and video.
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Learn moreABOUT STANLEY GAUSS
Stanley Gauss brings more than a decade in financial services and over two decades of strategic business planning experience to his work with families and business owners. He is a relentless advocate for the middle class, focused on protecting people from bad advice, opaque products, and systems designed to benefit institutions over individuals.
Through Divine Path Financial, Stanley leads with education, transparency, and disciplined strategy. helping clients make clear, confident decisions that strengthen income, preserve wealth, and build lasting stability for the generations that follow.
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