Peace of Mind for Your Family
Final Expense+ provides guaranteed coverage and essential support for your loved ones after you pass.
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.
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.
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.
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.
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.
Guaranteed Coverage
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.
Support for Your Survivors
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.
Simple Application
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.
Membership Benefits
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.
Affordable Premiums, Locked in at Issuance
Armed Forces Mutual offers a variety of options to suit your family’s needs and budget.
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Final Expense+ Sample Rates |
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Monthly Premium at Issue Age |
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| 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 |
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Final Expense+ Sample Rates |
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Monthly Premium at Issue Age |
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| 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
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Final Expense+ Sample Rates |
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|
Monthly Premium at Issue Age |
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| 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 |
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|
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 |
Want to Know More?
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.
Denotes content only available to subscribers
You’ve spent your military career earning several important VA benefits that can help ensure a secure financial future ...
Armed Forces Mutual’s experience serving our military families has helped us compile the following list of essential ...
Prepare your loved ones for the future with Armed Forces Mutual’s Survivor Assistance Services Pre-Planning Checklist. ...
Denotes content only available to subscribers
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.
