Marcus Browley Agency

Leave Them With Love, Not Bills.

A Final Expense policy ensures your family never faces the financial weight of your passing. Coverage is straightforward, affordable, and guaranteed, so they can focus entirely on what matters.

Families Protected
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Benefits Paid
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Licensed States
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Avg. Approval
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Get Your Free Quote

Ticker Ribbon
No Medical Exam
Rates from $20/Month
Lifetime Rate Lock
Same-Day Approval
A+ BBB Accredited
50 States Licensed
Ages 50–85 Accepted
Tax-Free Benefit Payout
No Hidden Fees
Guaranteed Acceptance
Why It Matters
Why It Matters

The Average Funeral
Now Costs Over $12,000

Funeral costs have risen 227% since 1986 and they keep climbing.
Without coverage, that burden falls entirely on the people you love most.

I
Rising Funeral Costs

A traditional burial, casket, and service now costs $10,000–$15,000. With cemetery fees and inflation, that figure grows each year. Your policy covers every dollar, guaranteed, so your family pays nothing out of pocket.

II
End-of-Life Medical Bills

Hospital stays, hospice care, and outstanding prescriptions can leave thousands in debt after you're gone. Final Expense coverage absorbs these costs so your family inherits your legacy not your liabilities.

III
A Final Act of Love

Perhaps the most meaningful gift you can give. A Final Expense policy lets your family grieve with dignity focused on memory and each other, not on financial logistics during their most difficult days.

What's Covered
WHAT'S COVERED

Every Dollar Goes
Where Your Family Needs It

Your beneficiary receives the full benefit tax-free and may use it for any of the following or any other need they choose.

EXPENSE CATEGORY TYPICAL COST MBA POLICY COVERS
Funeral service & ceremony$4,000 – $8,000Full benefit available
Casket or urn selection$2,000 – $6,000Full benefit available
Burial plot & opening fees$1,500 – $4,000Full benefit available
Cremation services$1,500 – $5,000Full benefit available
Outstanding medical billsVariesFull benefit available
Legal & probate fees$3,000 – $7,000Full benefit available
Funeral service & ceremony
Typical Cost
$4,000 – $8,000
Full benefit available
Casket or urn selection
Typical Cost
$2,000 – $6,000
Full benefit available
Burial plot & opening fees
Typical Cost
$1,500 – $4,000
Full benefit available
Cremation services
Typical Cost
$1,500 – $5,000
Full benefit available
Outstanding medical bills
Typical Cost
Varies
Full benefit available
Legal & probate fees
Typical Cost
$3,000 – $7,000
Full benefit available
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Simple Process

Coverage in 4 Easy Steps

1

Submit Your Quote Request

Fill out our quick 2-minute form. No medical records or lengthy paperwork required.

2

Speak With an Advisor

A licensed specialist reviews your options and answers all your questions.

3

Choose Your Plan

Select the coverage amount and premium that best fits your family's needs.

4

Your Family Is Protected

Enjoy peace of mind knowing your loved ones are protected when it matters most.

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Real Stories
Real Stories

Families Trust Marcus Browley Agency

Don't take our word for it — hear from real families we've helped protect.

"
★★★★★

After my husband passed, I was so relieved I didn't have to worry about paying the funeral costs out of pocket during such a painful time.

MP
Margaret P.
Retired Teacher · Fort Worth, TX
"
★★★★★

I was skeptical because I have a heart condition and thought I couldn't qualify anywhere. The MBA team found me a guaranteed-issue plan at a rate I could afford. Best decision I've made for my kids.

RJ
Robert J.
Vietnam Veteran · Atlanta, GA
"
★★★★★

The advisor was patient, never pushy, and explained everything in plain English. My mother is 78 and was approved the same day. Wish I called them sooner.

DS
Denise S.
Daughter of policyholder · Chicago, IL
FAQ
Common Questions

Frequently Asked Questions

What exactly is Final Expense insurance?
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Final Expense insurance is a whole life insurance policy designed specifically to cover end-of-life costs — including funeral expenses, burial costs, outstanding medical bills, and other debts. It provides a focused death benefit of $5,000–$50,000 at an affordable monthly premium, with no medical exam ever required.
Will my health conditions disqualify me?
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Most applicants qualify even with significant pre-existing conditions such as diabetes, heart disease, COPD, or a cancer history. We offer simplified-issue plans (a few health questions) and guaranteed-issue plans (no health questions at all) to ensure virtually everyone can obtain meaningful coverage.
How much does Final Expense insurance cost?
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Premiums begin as low as $20–$30/month, depending on your age, gender, health, and chosen coverage amount. Once your rate is set at enrollment, it is guaranteed for the life of the policy — it will never increase. Your free quote will show your exact personalized rate.
How quickly will my family receive the benefit?
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Upon filing a claim with a certified death certificate, most carriers process and disburse the full benefit within 24–48 hours. Funds are paid directly to your named beneficiary, completely tax-free, for use at their full discretion.
Is there a waiting period before coverage starts?
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Simplified-issue policies generally carry no waiting period — full coverage begins on approval. Guaranteed-issue plans may include a 2-year graded benefit for non-accidental deaths. Your advisor will explain all terms clearly before you commit to anything.
What if I can no longer afford the premium later?
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Because your premium is fixed at enrollment, it can never be raised. Should your budget require adjustment, you may reduce your coverage amount to lower your monthly payment. Our advisors are committed to keeping your plan sustainable and appropriate throughout your lifetime.
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Don't Leave Your
Family With the Bill

Every day you wait, your rate can increase. Book a free 30-minute appointment with a licensed advisor today. We'll walk you through your options, answer every question, and help you find coverage that fits your budget.

Book My Free Appointment

🔒 Takes 2 minutes to schedule · No commitment required · Free 30-min advisor call

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