Final expense coverage, and what it actually costs.

Who we are, and how to check

Licensed in Ohio, South Carolina, Maryland, Mississippi, Nevada and West Virginia. Policies are issued by Americo and Transamerica, not by us.

Those links go to the state's own search page, not to a page we control. Type the licence number in and the record comes up.

What it costs in West Virginia, through Americo

These are real monthly payments for someone who doesn't use tobacco. They are what a person that age would actually pay.

Women, non-tobacco

At age	$5,000	$10,000	$15,000
62	$20.90	$38.00	$55.10
67	$24.70	$45.60	$66.50
72	$31.13	$58.45	$85.78
77	$43.65	$83.50	$123.34
82	$58.88	$113.95	$169.03

Men, non-tobacco

At age	$5,000	$10,000	$15,000
62	$25.90	$48.00	$70.11
67	$31.90	$60.00	$88.10
72	$41.90	$80.00	$118.10
77	$57.90	$112.00	$166.09
82	$79.40	$155.00	$230.60

Americo Eagle Select · West Virginia · non-tobacco · monthly bank draft · no riders · quoted 3 September 2026. The other five states have not been run yet.

What would move these numbers

• If you're between two ages, you're between two numbers.
• There are a few health questions, and your answers can move it. It won't be far off.
• Every one of these has a flat $3.80 a month built in, which is why $5,000 isn't exactly half of $10,000.
• No medical exam.

What you're paying for

• The monthly payment never goes up.
• The coverage amount never goes down.
• It doesn't expire. It's there when it's needed.

That's the whole product. There isn't a catch further down the page.

The thing people actually worry about

It's not the funeral. It's who pays for it.

The median cost of a funeral with a burial in this country is $8,300, and that's before the cemetery. When there's no coverage, that bill goes to whoever's closest. Usually a son or a daughter. Usually at the worst possible week to be handed a bill.

A final expense policy means that call never happens. The money goes to whoever you name, and they use it for what it's for.

$8,300 is the National Funeral Directors Association's 2023 General Price List median for a funeral with viewing and burial. It excludes cemetery costs, a marker, and cash advances.