Trusted Final Expense Protection

Protect Your Family FromFuneral &
Unexpected Costs

Planning ahead doesn't have to be complicated. Get affordable Final Expense insurance that protects you and your Family. They will LOVE you for it!

No medical exam
Immediate approval
From 50 to 85 years old

PLUS learn about additional available insurance...
Life / Auto / Home / Business / Health

Trusted by families across America
Support and trust with holding hands of elderly woman

Because Family
Comes First

What Is Final Expense Insurance?

A Simple, Affordable Way to Protect
the People You Love Most

Final Expense insurance — also called burial or funeral insurance — is a small whole-life policy designed specifically to cover end-of-life costs. The average funeral now costs over $10,000+, and without coverage, that burden falls directly on your family.

We will refer you to a friendly licensed insurance agent, who will make the process simple: provide affordable monthly premiums, no medical exam required, and coverage that lasts your entire life. Your family receives the payout quickly — so they can focus on honoring your memory, not scrambling to pay bills.

Coverage Options

Find the Right Plan for Your Family

Three straightforward plans designed to fit different needs and budgets. Every plan includes guaranteed lifetime coverage with no medical exam.

Essential

$5,000 – $10,000

Covers basic funeral home services, cremation, and immediate end-of-life expenses.

  • Cremation costs covered
  • Funeral home service fees
  • Immediate payout to beneficiary
  • No medical exam required
Call (248) 900-1634
Most Popular

Standard

$10,000 – $25,000

Comprehensive coverage for a traditional funeral, burial plot, headstone, and additional expenses.

  • Full funeral service coverage
  • Burial plot & headstone
  • Transportation costs
  • Flowers & memorial expenses
  • Same-day approval available
Call (248) 900-1634

Premium

$25,000 – $50,000+

Maximum protection with generous benefits that cover all final expenses plus leave a financial cushion.

  • All funeral & burial costs
  • Outstanding medical bills
  • Estate settlement costs
  • Cash legacy for family
  • Guaranteed lifetime coverage
Call (248) 900-1634
How It Works

Get Covered in Four Simple Steps

We've streamlined the entire process so you can protect your family without the hassle of traditional insurance.

Step 01

Request Your Free Quote

Fill out our quick form with basic information — takes less than 2 minutes. No commitment, no pressure.

Step 02

Compare Your Options

We'll show you personalized plans and rates tailored to your needs and budget. Choose what works for you.

Step 03

Get Covered Instantly

Once you choose a plan, approval is fast — often same-day. Your coverage begins immediately, with no waiting period.

Step 04

Enjoy Peace of Mind

Rest easy knowing your family is protected. Your loved ones will receive the full benefit when they need it most.

Why Choose 123perks

Insurance That's Actually Simple

We believe protecting your family should be straightforward and affordable. Here's what sets us apart.

Same-Day Approval

No waiting, no delays — most applicants are approved the same day they apply.

No Medical Exam

Coverage is based on simple health questions, not invasive medical tests. Most people qualify.

Rates Never Increase

Your premium is locked in for life. It will never go up — no matter your age or health changes.

Lifetime Coverage

Your policy never expires. As long as premiums are paid, your family is protected.

Cash Payout, Tax-Free

Your beneficiary receives the full benefit as a tax-free cash payment they can use however needed.

Nationwide Coverage, Peace of Mind

We treat every client like family. Compassionate, personal service from your first call through claims.

Get Your Free Quote

Ready to Protect Your Family?

Call us now for a free, no-obligation quote. Our friendly team is ready to help you find the right Final Expense plan.

Call (248) 900-1634

Free, no-obligation quote — no pressure, just honest answers.