Level Benefit Final Expense Insurance

Get immediate full coverage with no waiting period. The best option for healthy seniors seeking affordable final expense protection.

Immediate Full Coverage
Lowest Premiums
No Medical Exam
Up to $35,000 Coverage

What is Level Benefit Final Expense Insurance?

The premium option for healthy seniors who want immediate full coverage

Immediate Full Coverage

Unlike graded benefit plans, level benefit policies provide full death benefit coverage from day one. If something happens to you after your policy is in force, your beneficiaries receive the full coverage amount.

  • No waiting period
  • Full benefit from day one
  • Immediate peace of mind

Best Rates Available

Level benefit plans offer the lowest premiums because they're designed for healthier applicants. You get maximum coverage for minimum cost.

  • Lowest monthly premiums
  • Rates locked for life
  • Best value for healthy seniors

Who Qualifies for Level Benefit?

Designed for seniors in relatively good health who can answer health questions favorably

Age Requirements

  • Ages 50-85
  • No upper age limit with some carriers
  • Best rates for younger applicants

Health Requirements

  • Generally good health
  • No recent hospitalizations
  • Controlled chronic conditions OK

Coverage Amounts

  • $5,000 minimum
  • Up to $35,000 maximum
  • Choose amount that fits your budget

Sample Monthly Rates

Approximate premiums for $10,000 level benefit coverage

Male Rates

Monthly premiums for $10,000 coverage

Age 50-54 $25-35
Age 55-59 $35-45
Age 60-64 $45-60
Age 65-69 $60-80
Age 70-74 $80-110
Age 75-79 $110-150
Age 80-85 $150-200

Female Rates

Monthly premiums for $10,000 coverage

Age 50-54 $20-30
Age 55-59 $30-40
Age 60-64 $40-50
Age 65-69 $50-65
Age 70-74 $65-85
Age 75-79 $85-120
Age 80-85 $120-160

*Rates are estimates and vary by carrier, health, and other factors. Actual rates determined during application process.

Simple Application Process

Get approved in as little as 24 hours with our streamlined process

Step 1: Health Questions

Answer 5-10 simple health questions about your medical history. No medical exam or doctor visits required.

Step 2: Quick Review

Our underwriters review your application, typically within 24-48 hours. Most healthy applicants are approved quickly.

Step 3: Coverage Begins

Once approved and your first payment is processed, your full coverage begins immediately with no waiting period.

Ready for Level Benefit Coverage?

Get your free quote today and see how affordable immediate full coverage can be.

Get Free Quote 📞 Call (484) 729-8157