End-of-Life Planning

Final Expense+

Guaranteed life insurance coverage from $5,000 to $25,000 with no medical exam and no health questions. Provide your loved ones with financial security and expert guidance when they need it most.

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Peace of Mind for Your Family

Final Expense+ provides guaranteed coverage and essential support for your loved ones after you pass.

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Acceptance Guaranteed
No medical exam or health questions required to qualify.
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Fixed Premiums
Rates locked in for life, never increase.
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Survivor Assistance
Expert guidance to ensure your loved ones get all of the benefits you earned from your service, as well as the space to breathe easier and grieve your loss.
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Digital Vault
A place to securely store all your essential documents online, making it simple and easy for your survivors to access them 24/7 and for us to help them when the time comes.
Protect Family Finances

Why You Need Final Expense+

Leave behind a legacy of financial security and expert support for your loved ones during their time of greatest need.

Coverage Without Complications

Final Expense+ offers Veterans and their spouses and adult children, ages 65 to 85, guaranteed life insurance coverage with no medical exam and no health questions. Choose from $5,000 to $25,000 of protection to help cover funeral costs, outstanding medical bills, and other final expenses. Your acceptance is guaranteed as long as you meet the basic eligibility requirements for Armed Forces Mutual Membership. Access essential coverage regardless of health conditions that might prevent qualification for traditional policies.

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Expert Guidance When It Matters Most

Every Final Expense+ policy includes our exclusive Survivor Assistance Services — perhaps the most valuable benefit for families during their time of grief. When the time comes, your loved ones will have the care and support of our expert staff, who will ensure they receive all the benefits you earned through your military service, for the rest of their lives. This personalized guidance helps navigate complex paperwork, benefit applications, and other end-of-life matters, providing invaluable support when your family needs it most.

Learn About Survivor Assistance
Easy 3-Step Process

Applying for Final Expense+ is straightforward and dignified. First, confirm your eligibility as a Veteran, military spouse, or adult child of an Armed Forces Mutual Member, between the ages of 65 and 85. Second, choose your coverage amount from $5,000 to $25,000. Third, complete the simple application with basic information — no invasive questions about your health. It only takes a few minutes online or by phone with a Membership Coordinator. The application process can be completed online in minutes and, once approved, your coverage begins immediately, providing peace of mind for you and your loved ones.

Apply for Final Expense+
More Than Just Life Insurance

Your Final Expense+ policy includes lifetime Armed Forces Mutual Membership with exclusive benefits designed for the military community. Our Survivor Assistance Services ensure your loved ones receive expert guidance through the complex process of claiming all benefits earned through your service. You also receive your own secure Digital Vault in the Member Center to store essential documents, accessible 24/7 at no additional cost. This valuable tool ensures your loved ones can easily locate important information when needed, simplifying the process during an already difficult time.

Learn More About Membership
Guaranteed Coverage
Coverage Without Complications

Final Expense+ offers Veterans and their spouses and adult children, ages 65 to 85, guaranteed life insurance coverage with no medical exam and no health questions. Choose from $5,000 to $25,000 of protection to help cover funeral costs, outstanding medical bills, and other final expenses. Your acceptance is guaranteed as long as you meet the basic eligibility requirements for Armed Forces Mutual Membership. Access essential coverage regardless of health conditions that might prevent qualification for traditional policies.

Get Covered Today
Support for Your Survivors
Expert Guidance When It Matters Most

Every Final Expense+ policy includes our exclusive Survivor Assistance Services — perhaps the most valuable benefit for families during their time of grief. When the time comes, your loved ones will have the care and support of our expert staff, who will ensure they receive all the benefits you earned through your military service, for the rest of their lives. This personalized guidance helps navigate complex paperwork, benefit applications, and other end-of-life matters, providing invaluable support when your family needs it most.

Learn About Survivor Assistance
Simple Application
Easy 3-Step Process

Applying for Final Expense+ is straightforward and dignified. First, confirm your eligibility as a Veteran, military spouse, or adult child of an Armed Forces Mutual Member, between the ages of 65 and 85. Second, choose your coverage amount from $5,000 to $25,000. Third, complete the simple application with basic information — no invasive questions about your health. It only takes a few minutes online or by phone with a Membership Coordinator. The application process can be completed online in minutes and, once approved, your coverage begins immediately, providing peace of mind for you and your loved ones.

Apply for Final Expense+
Membership Benefits
More Than Just Life Insurance

Your Final Expense+ policy includes lifetime Armed Forces Mutual Membership with exclusive benefits designed for the military community. Our Survivor Assistance Services ensure your loved ones receive expert guidance through the complex process of claiming all benefits earned through your service. You also receive your own secure Digital Vault in the Member Center to store essential documents, accessible 24/7 at no additional cost. This valuable tool ensures your loved ones can easily locate important information when needed, simplifying the process during an already difficult time.

Learn More About Membership

Affordable Premiums, Locked in at Issuance

Armed Forces Mutual offers a variety of options to suit your family’s needs and budget.

Final Expense+ Sample Rates

Monthly Premium at Issue Age

Coverage   65-69 70-74 75-79 80-85
$5,000 33.53 41.35 50.46 64.21
$10,000 67.06 82.70 100.92 128.42
$15,000 100.59 124.04 151.37 192.62
$20,000 134.12 165.38 201.82 256.83
$25,000 167.65 206.73 252.28 321.03

Final Expense+ Sample Rates

Monthly Premium at Issue Age

Coverage   65-69 70-74 75-79 80-85
$5,000 24.91 31.59 39.82 54.00
$10,000 49.81 63.18 79.63 108.00
$15,000 74.71 94.76 119.45 162.00
$20,000 99.60 126.35 159.26 215.99
$25,000 124.50 157.94 199.07 269.99
Male

Final Expense+ Sample Rates

Monthly Premium at Issue Age

Coverage   65-69 70-74 75-79 80-85
$5,000 33.53 41.35 50.46 64.21
$10,000 67.06 82.70 100.92 128.42
$15,000 100.59 124.04 151.37 192.62
$20,000 134.12 165.38 201.82 256.83
$25,000 167.65 206.73 252.28 321.03
Female

Final Expense+ Sample Rates

Monthly Premium at Issue Age

Coverage   65-69 70-74 75-79 80-85
$5,000 24.91 31.59 39.82 54.00
$10,000 49.81 63.18 79.63 108.00
$15,000 74.71 94.76 119.45 162.00
$20,000 99.60 126.35 159.26 215.99
$25,000 124.50 157.94 199.07 269.99
Common Questions

Want to Know More?

Find answers below.
How can I tell if Final Expense+ is right for me?

Final Expense+ may be right for you if:

  • You are a Veteran, Veteran spouse, child of an Armed Forces Mutual Member, or surviving Veteran spouse (widow/widower) between the ages of 65 and 85
  • You are looking for an affordable permanent life insurance solution guaranteed to protect your survivors when you die
  • You finding it difficult to qualify for life insurance coverage or undesirable to undergo medical underwriting

Find out today by calling an Armed Forces Mutual Membership Coordinator at 877-398-2263 to discuss your needs and specific situation.

Does Final Expense+ have any coverage limitations?

During the first two policy years, death benefits are limited to 110% of total premiums paid, except for qualifying accidental deaths, which receive the full face amount. After two years, your beneficiaries receive the full death benefit.

Is Final Expense+ truly “Guaranteed”?

Yes. As long as you qualify for Armed Forces Mutual Membership and you’re between the ages of 65 and 85, you’re guaranteed for Final Expense+ coverage with no medical exam or health questions asked. 

To qualify for Armed Forces Mutual Membership, you or your spouse must have served in the U.S. military and you must live in a state where Armed Forces Mutual conducts business.*

*In the following states/territories, Armed Forces Mutual is only able to issue policies to current servicemembers, military retirees, and their spouses: DC, MS, UT, and WI.

End-of-Life Planning

Helpful information to guide your final arrangements and ensure your loved ones are prepared.

View More Resources
Leave a Legacy

Your Final Act of Service

Provide your loved ones with financial protection and expert guidance during their time of greatest need. Apply for Final Expense+ today and secure your legacy of care.

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Exclusions and Limitations: Important: Death benefits are limited to 110% of total premiums paid in the first two policy years, except for qualifying accidental deaths, in which case the death benefit is equal to the face amount.  
This policy is not sponsored, recommended, offered, or guaranteed by, or associated with, the U.S. (or any) government, the U.S. Department of Veterans Affairs, or other governmental agency or department.