Final Expense Insurance

Securing End-of-Life Expenses

Ensure there will be funds available for medical expenses, funeral costs, and other financial obligations at the time of your death. An unexpected medical event can be very costly; don’t leave this monetary burden to your family.

Policy Details

Why get a final expense policy through ELCO Mutual?

We offer one of the lowest premiums and one of the only participating final expense products currently on the market, and qualifying for coverage is easy.

Are there different types of policies available?

Yes, ELCO Mutual offers both level and modified death benefits.

The level benefit is simplified issue, which means you only have to answer a few questions to determine your eligibility. This policy includes face amounts of $2,500-$35,000; an immediate, guaranteed death benefit; and an available single pay life rider to enhance your coverage.

The modified benefit is available if you have certain health conditions that prevent you from qualifying for the standard coverage. This policy includes face amounts of $2,500-$25,000 and a return of premium plus 10% interest for the first two policy years, with the full benefit beginning in year three.

Additional Benefits

Both policies are participating, meaning they are eligible for dividend growth. While not guaranteed, dividends may help increase the value of the policy over time.

Who Is Eligible for a Final Expense Policy

The level benefit policy is available for individuals between ages 50-85, and the modified benefit policy can be issued to people between 50-80 years old. Determining which benefit you qualify for is as simple as answering a few basic health questions and completing a short telephone interview. No medical exams are ever required!

Calculate Your Final Expense

Final Expense Rate Calculator

To begin, please answer the questions outlined below.

Select Your Gender

Do You Use Tobacco?

Enter Your Age

You must be between 50 and 85 years of age to qualify for Final Expense.

Select Your State

Select Face Amount

Tell us a little about you.

We value your privacy. When applying for insurance coverage, we may gather information about you to complete the application process. We may share this information with ELCO Mutual insurance producers to avoid having to ask you for the same information again. Insurance policies and any associated riders may not be available in your state. This quote is only a general description of coverage and may vary depending on health, age, and sex. These policies may have limitations. For complete costs and policy details, please refer to the policy. Premium class and availability are based on underwriting. ELCO Mutual's agents do not provide legal, tax, or investment advice. Please contact a legal, tax, or investment advisor for help regarding your circumstances. The purpose of this communication is the solicitation of life insurance. An insurance producer may contact you. This is not an offer or a binding agreement, this quote is for informational purposes only. Policy Forms: ICC19-FE19, FE19-ND, FE19-SD, FE19-DE, ICC19-MWL19, MWL19-ND, MWL19-SD, MWL19-DE.


Ready to start preparing for your future? Start by answering the two questions below to start off, and we'll guide you the rest of the way to any information you will need.

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