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Final Expense+



  • CheckmarkVeterans, Retirees, their Spouses & Children, age 65-85
  • CheckmarkSurviving Military Spouses, age 65-85
  • CheckmarkThose who may not meet, or who do not want to endure, medical underwriting requirements and who do not have existing permanent life insurance coverage
  • CheckmarkThose aging out of their current expiring term life policies

About This Plan

What is included?

  • Final Expense+ life insurance, regardless of your health conditions or history.
  • A fast, easy application process — eligible applicants who apply today get approved today. It’s that simple.
  • Affordable premiums that will never increase. Your price is locked in at issuance and will never change.
  • All the benefits of AAFMAA Membership, including Survivor Assistance Services and a secure Digital Vault to store your vital documents at no cost to you.
  • A coverage amount that will never decrease.

Who is Eligible?

  • Veterans, Retirees, Military Spouses, and their Children
  • Surviving Military Spouses (Widows and Widowers)
  • Ages 65 to 85
  • Those who may not meet or who do not want to endure medical underwriting requirements and who do not have existing permanent life insurance coverage
  • Those aging out of their current expiring term life policies
Apply Now

Final Expense, No-Exam Life Insurance

Life insurance coverage is a crucial element in end-of-life planning to take care of your final expenses. As you or your loved one age, a guaranteed acceptance life insurance plan could be just the protection your family needs to avoid paying expensive medical and funeral bills out-of-pocket.

Unlike many other life insurance products, guaranteed acceptance life insurance is a type of policy that does not require you to answer health questions or endure a medical exam to secure coverage. It gives older Veterans and military spouses an option that will cover their final expenses and ensure their loved ones are financially cared for after they pass away, regardless of their current medical condition.

Final Expense+: More Than Guaranteed-Acceptance Life Insurance

Final Expense+ is a great option for Veterans and their spouses seeking a no-exam life insurance policy with guaranteed coverage from $5,000 to $25,000 for final expenses. When you apply for AAFMAA’s Final Expense+ plan, you receive much more than just life insurance coverage. You get permanent access to all the benefits that come with AAFMAA Membership, including our exclusive Survivor Assistance Services. When the time comes, your loved ones will have the care and support of our expert staff who will ensure they receive all the benefits you earned through your service — for the rest of their lives.

You also get 24/7 access to your own online Digital Vault in the AAFMAA Member Center where you can easily and securely store your essential documents anytime, anywhere — at no additional cost to you.
It’s affordable, easy, and fast to apply for AAFMAA’s Final Expense+, with no medical questions to answer or exam required. Lock in your premiums at issuance and they will never change over the life of the policy for any reason. It’s one of the best values in guaranteed-acceptance life insurance available anywhere.

Affordable Premiums, Locked in at Issuance

AAFMAA offers a variety of options to suit your family’s needs and budget.

Current Monthly Rates:

Premium at Issue Age ($)
Coverage 65-69 70-74 75-79 80-85
$5,000 33.53 41.35 50.46 64.21
$10,000 67.06 82.70 100.92 128.42
$15,000 100.59 124.04 151.37 192.62
$20,000 134.12 165.38 201.82 256.83
$25,000 167.65 206.73 252.28 321.03
Premium at Issue Age  ($)
Coverage 65-69 70-74 75-79 80-85
$5,000 24.91 31.59 39.82 54.00
$10,000 49.81 63.18 79.63 108.00
$15,000 74.71 94.76 119.45 162.00
$20,000 99.60 126.35 159.26 215.99
$25,000 124.50 157.94 199.07 269.99

Apply for Final Expense+ and get approval today with coverage for life. When you're ready, you can complete your application online or call an expert AAFMAA Membership Coordinator at 888-493-9799.

Apply Now

You are conditionally approved immediately upon submitting your completed application with initial premium. Following ID and AAFMAA eligibility verification, we will issue your policy, usually within one business day.
  • Are you a Veteran, Veteran spouse, child of an AAFMAA Member, or surviving Veteran spouse (widow/widower) between the ages of 65 and 85?
  • Are you looking for an affordable permanent life insurance solution guaranteed to protect your survivors when you die?
  • Are you finding it difficult to qualify for life insurance coverage or undesirable to undergo medical underwriting?

If you answered ‘yes’ to these questions, AAFMAA's Final Expense+ could be right for you. Find out today by calling our expert team of Membership Coordinators to discuss your needs and specific situation further at 877-398-2263.

Yes. As long as you qualify for AAFMAA Membership and you’re between the ages of 65 and 85, you’re guaranteed coverage with no medical exam or health questions asked. To qualify for AAFMAA Membership, you or your spouse must have served in the U.S. military and you must live in a state where AAFMAA conducts business.* Additionally, you get lifetime access to the benefits of AAFMAA Membership, including Survivor Assistance Services, and your own online Digital Vault at no additional cost to you.

*In the following states/territories, AAFMAA is only able to issue policies to current servicemembers, military retirees, and their spouses: DC, MS, UT, and WI.

Exclusions and Limitations: Important: Death benefits are limited to 110% of total premiums paid in the first two policy years except for qualifying accidental deaths, in which case the death benefit is equal to the face amount.  

This policy is not sponsored, recommended, offered, or guaranteed by, or associated with, the U.S. (or any) government, the U.S. Department of Veterans of Affairs, or other governmental agency or department.