FINAL EXPENSE INSURANCE
Protect your family from financial burden when it matters most.
End-of-life costs are rising. A dedicated final expense policy ensures your loved ones receive an immediate, tax-free payout to cover what needs to be covered — so they can grieve, not scramble.
$5K–$100K
Coverage range available
Ages 40–89
Eligible applicants
No exam
Guaranteed acceptance
Fixed rate
Premiums never increase
Adaeze Okonkwo
Houston, TX
​Originally from Anambra State
"When my father passed in Houston, the payout came through in three days. We didn't have to beg anybody or do any fundraising. Refuge Financial made sure my family was taken care of. As a Nigerian, I know how embarrassing it is when family cannot afford to give papa a proper sendoff — this policy removed that fear completely."
Folake Adedeji
Maryland
Originally from Ekiti State
"My rate has not changed in four years. As someone sending money home every month, I needed something I could budget reliably. The premium is small, the peace of mind is massive. I've since referred three people from my church, all enrolled, all happy. This is the one insurance I will never cancel."
Daniel Mark
Atlanta, GA
Originally from Lagos
"I was skeptical at first — as a Nigerian you know how insurance companies can behave. But Anthonie was transparent from the beginning. No hidden wahala, no fine print surprises. I enrolled my mother at 71 with no medical exam and her coverage started same day. I sleep better at night knowing she is covered."
No financial burden on your family
Your beneficiaries receive a tax-free lump-sum payout — available within days of filing — to cover funeral expenses, outstanding medical bills, and any remaining debts. They won't need to dip into savings or take out loans.
​Guaranteed acceptance
No medical exam. No extensive health questionnaire. Most applicants qualify based on age alone, and your coverage is locked in from the day you apply — even if you have pre-existing conditions.
Premiums fixed for life
Your rate is set the day you enroll and never goes up — regardless of age, health changes, or inflation. No surprise renewals, no rate reviews. Budget with complete confidence, month after month.
Why families across the U.S. choose final expense coverage
$7,000 – $12,000
Average U.S. funeral cost in 2025
01
Covers funeral, burial, or cremation services in full
02
Settles remaining medical and hospital bills
03
Clears credit card balances and small personal loans
04
Fast payout — most claims paid within days of filing
05
​Flexible coverage from $5,000 to $35,000 to match your needs
06
Open to applicants ages 50 through 85 with no health exam required
ELIGIBLE AGES
40 – 89
No upper health threshold; meant for all
COVERAGE AVAILABLE
$5,000 – $100,000
Locked in from day of application (based on qualification)
MEDICAL EXAM REQUIRED
None
Approval based on age, not health history
