Heritage Benefits

Final expense insurance built for the people you love.

Whole life coverage from $5,000 to $50,000. No medical exam. Compare carriers and get a quote in under two minutes.

$5K – $50K
Coverage amounts available
No exam
Approval based on a short questionnaire

Free quote in 60 seconds

No obligation. We'll never sell your information.

STEP 1 OF 8

Most policyholders choose between $10,000 and $20,000.

Select all that apply, or "None of the above."

Who would receive the policy benefit?

By submitting, you consent to be contacted by Heritage Benefits or its licensed agents at the number provided. Consent is not a condition of purchase. Message and data rates may apply.

Your quote is on the way.

A licensed agent will reach out within one business day. You'll also receive a confirmation by email.

How the policy works

A small whole-life policy designed to cover end-of-life costs. Here's what it does.

Tax-free benefit, paid quickly

Most carriers pay out within 24–48 hours of a claim. The benefit goes directly to your beneficiary and is generally exempt from federal income tax under IRC §101(a).

Rate locked in for life

Your monthly premium is set at issue and never changes. The death benefit stays level. Coverage continues as long as premiums are paid.

No medical exam

Underwriting is a short health questionnaire and, in some cases, a brief phone interview. Approval typically takes a few days, including for applicants with controlled diabetes, high blood pressure, or prior cancer.

Builds cash value

A portion of each premium accrues as cash value you can borrow against. Loans reduce the death benefit until repaid.

Common questions

Something specific in mind? Submit the form above and a licensed agent will follow up directly.

What's the difference between final expense and term life?
Term life pays a death benefit only if you pass away during the term (e.g., 20 years), and premiums often increase at renewal. Final expense is whole life — coverage doesn't expire and premiums are locked in for life. Final expense face amounts are typically smaller ($5K–$50K), making premiums affordable for older applicants.
Is there a waiting period before coverage kicks in?
It depends on your health. Level-benefit policies pay the full benefit from day one. Modified or graded-benefit policies — which we'd quote only if a level plan isn't available — may pay a return-of-premium plus interest during the first 2 years, then full benefit thereafter.
Can I be turned down?
Some level-benefit carriers will decline applicants with conditions like terminal illness, recent stroke, or active cancer treatment. In those cases, guaranteed-issue plans are still available — these accept everyone but typically have a 2-year graded benefit period.
What information do you need to provide a quote?
Date of birth, gender, state of residence, tobacco use, and a brief health summary. We don't pull credit, run an MIB check, or share your information with anyone outside the carriers we'd be quoting.