Patriot Health Insurance

Protect your loved ones from unexpected costs.

Final expense (burial) insurance is a small whole life policy designed to cover end-of-life costs like funerals, memorial services, medical bills, and small debts. Premiums are predictable, coverage never expires, and your family receives cash directly—so they can focus on what matters most.

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Plans Built for Peace of Mind

Guaranteed Issue Final Expense

Ideal if you want coverage without medical questions or exams.

What You Get:

No medical exam and no health questions

Coverage amounts typically $2,000–$25,000

Premiums that never increase; benefits that never decrease

Note:

A graded benefit may apply in the first 2 years for non-accidental death.

Simplified Issue Whole Life

Great for those who can answer a few health questions for potentially better rates.

Key Benefits:

Quick approvals—often within 24–48 hours

Level premiums for life and lifelong protection

Builds cash value you can borrow against if needed

Level vs. Graded Benefit Options

Level Benefit: Full death benefit is available day one (for approved applicants).

Graded Benefit: Partial benefit during the first two policy years; full benefits thereafter.

This helps more people qualify while keeping premiums affordable.

Optional Riders & Add-Ons

Accelerated Death Benefit: Access a portion of the benefit for a qualifying terminal illness.

Accidental Death Benefit: Extra protection if death is accidental.

Child/Grandchild Rider: Add limited coverage for young family members.

How Much Coverage Do You Need?

Consider these common costs:

Funeral & burial or cremation services
Headstone, memorial, flowers, and venue
Final medical bills and small debts
Travel or lodging for family members

We’ll help estimate the right amount so your family isn’t left with financial stress.

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