Final Expense Quote Estimator

Get a personalized monthly premium range in under 60 seconds — no medical exam typically required.

1. Who

2. Details

3. Health & Coverage

4. Your Estimate

Who are you protecting?

We start with the person, not the policy.

Myself

My spouse or partner

My parent

Another loved one

Tell us a bit about them

Estimates depend on age, state, and gender. Final premiums are determined by Lincoln Heritage after underwriting.

Age

Gender

State

Tobacco use in last 12 months?

A few health questions first

These help us point you at the right plan. There is no medical exam and no wrong answer — honest answers mean a faster, smoother application.

Have you used any tobacco or nicotine products in the last 12 months? (cigarettes, cigars, chew, vaping, patches)

In the last 2 years, have you been advised by a doctor to have surgery, been hospitalized, or diagnosed with a serious medical condition? (heart attack, stroke, cancer, diabetes requiring insulin, COPD, kidney disease, etc.)

Do you currently use a wheelchair or walker, or need help with daily activities such as bathing, dressing, or eating?

Have you ever been declined, cancelled, or rated up for life insurance?

Choose your protection level

Coverage that gives your family room to grieve instead of figure things out. A traditional Illinois funeral with burial runs $13,000–$18,000.

Good — $15,000
Covers cremation or direct burial and a simple service. Premiums never increase.

Better — $18,000
A full traditional funeral with a small buffer for final bills. Our most-chosen level.

Best — $20,000
Full traditional funeral, cemetery costs, and a small legacy gift to the family.

Custom amount
Tell us the number that feels right for your family.

$5,000–$50,000

Your Personalized Estimate

Here is a typical monthly range for someone with your profile. A licensed representative can give you the exact figure.

Estimated monthly premium

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Typical range for this profile

Your first name

Best phone number

Email (optional)

I agree to be contacted by Martin or a licensed Golden Memorial representative about this estimate. I understand this is not an offer of insurance and no policy is in effect.

Estimates shown are illustrative only and based on Lincoln Heritage Funeral Advantage typical rate ranges. Actual premiums depend on age, gender, state, health questions, tobacco use, and final underwriting. Coverage is subject to state availability, eligibility, and carrier approval. No coverage is in effect unless and until an application is approved by the insurance carrier and the required premium is paid. Golden Memorial / Martin Eichhorn & Associates is an independent insurance agency. This tool does not constitute insurance, legal, tax, or financial advice.