Level Benefit
For people in average to good health. The full benefit is paid from the first day the policy is active.
- Full benefit
- Day one
- Health questions
- Yes
- Medical exam
- No
The right coverage. Right where you need it.
Peace of mind for you, and one less burden for the people you love.
GracePoint Group helps seniors find affordable final expense life insurance to cover funeral costs, medical bills and other end-of-life expenses. We compare plans from multiple carriers and explain every option in plain language.
- Coverage typically from $5,000 to $40,000, for ages 50 to 85
- Many plans need no medical exam, only a few health questions
- Premiums that stay level and coverage that never expires
What final expense covers
A small whole life policy built for one job
Final expense insurance is whole life coverage with a smaller benefit amount. Your beneficiary can use the money however they need.
Funeral and burial
Service, casket or urn, burial plot, headstone and the funeral home's fees.
Medical bills
Hospital, hospice or care costs left over after Medicare and other coverage.
Debts and household bills
Credit cards, utilities and loose ends, so nothing lands on your children.
Plan types
Coverage for nearly every health situation
Your answers to a few health questions decide which type you qualify for. We'll match you with the strongest option available to you.
Graded Benefit
For certain health conditions. Coverage builds over the first two years, then pays in full.
- Full benefit
- After 2 years
- Health questions
- Yes
- Medical exam
- No
Guaranteed Issue
Approval can't be denied within the eligible age range. Includes a two-year waiting period for natural causes.
- Full benefit
- After 2 years
- Health questions
- None
- Medical exam
- No
How it works
Covered in three simple steps
Tell us about you
Fill out the short form or call us. It takes about two minutes.
Compare your options
A licensed agent reviews plans from several carriers and walks you through the prices, with no pressure.
Get covered
Apply by phone. Many applicants get a decision the same day.
About GracePoint Group
A Georgia agency serving families nationwide
GracePoint Group, LLC is an independent insurance agency based in Duluth, Georgia. Because we aren't tied to one insurance company, we can shop several highly rated carriers and recommend the plan that fits your health, your budget and your wishes.
We believe planning ahead is an act of love. Our job is to make it simple: clear answers, honest prices and a real person on the phone who will still be there when your family needs help filing a claim.
- Headquarters
- Duluth, Georgia
- Licensed in
- All 50 states
- Agency type
- Independent, multi-carrier
- Cost to get a quote
- Free, no obligation
Common questions
Final expense insurance, explained
How much does final expense insurance cost?
Your monthly premium depends on your age, health, tobacco use, state and the benefit amount you choose. Many people find a policy for less than a dollar or two a day. Request a quote and we'll show you exact prices.
Will my premium go up as I get older?
No. Final expense policies are whole life insurance, so your premium is locked in for life and your coverage never expires as long as premiums are paid.
Do I need a medical exam?
No. Most plans only ask a few yes-or-no health questions. Guaranteed issue plans ask none at all.
Who receives the money?
The beneficiary you name, such as a spouse, child or trusted family member. They can use it for funeral costs or any other expense.
Can I get coverage if I have health problems?
Usually, yes. Conditions like diabetes, high blood pressure or a past heart issue may still qualify for a level or graded benefit plan. If not, a guaranteed issue plan is available within the eligible age range.
Is this a government program?
No. Final expense insurance is private life insurance issued by licensed insurance companies. GracePoint Group is not affiliated with Medicare, Social Security or any government agency.
Free quote
See your rate in minutes
Share a few details and a licensed agent will prepare personalized quotes from multiple carriers. There's no cost and no obligation to buy.
Prefer to talk now? Call (404) 985-9455.
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Contact
Talk with a licensed agent
Phone(404) 985-9455
Emailinfo@gracepointgroupllc.com
Office3675 Crestwood Parkway, Suite 400
Duluth, GA 30096
Duluth, GA 30096
Hours (Eastern)Mon–Fri 9am–6pm
Sat 10am–2pm
Sat 10am–2pm