Protect Your Family FromFuneral & Burial Costs
Planning ahead doesn't have to be complicated. Get affordable Final Expense insurance that covers everything — so your loved ones never face a financial burden during their hardest moment.
Because Family
Comes First
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 $7,800, and without coverage, that burden falls directly on your family.
At 123perks, we make the process simple: 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.
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
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
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
Get Covered in Four Simple Steps
We've streamlined the entire process so you can protect your family without the hassle of traditional insurance.
Request Your Free Quote
Fill out our quick form with basic information — takes less than 2 minutes. No commitment, no pressure.
Compare Your Options
We'll show you personalized plans and rates tailored to your needs and budget. Choose what works for you.
Get Covered Instantly
Once you choose a plan, approval is fast — often same-day. Your coverage begins immediately, with no waiting period.
Enjoy Peace of Mind
Rest easy knowing your family is protected. Your loved ones will receive the full benefit when they need it most.
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.
Family-Owned Service
We treat every client like family. Compassionate, personal service from your first call through claims.
See What Final Expense Insurance
Will Cost for You
Fill out this short form and we'll provide a personalized quote — free, no-obligation, and no pressure. We're here to help you make the right decision for your family.
Personalized rates in minutes
We match you with the best plan for your age, health, and budget.
No commitment required
Your quote is free. Take your time — we'll never pressure you.
Your information is private
We never share or sell your data. Your privacy is protected.