Helping families plan ahead
A simple policy that pays for your funeral and final bills, so your kids never have to.
No obligation. Not a fit? Just say no.
20,000+
people our team has connected with a licensed agent
30+ insurers
compared side by side to find your lowest rate
A-rated
insurance companies behind every plan
One small policy, set up once, that takes care of everything later.
Most people pick $10,000 to $25,000. That covers the funeral, burial or cremation, and the bills left behind.
Your rate is locked the day you start. It never goes up as you get older, and your coverage never runs out.
The money goes straight to the person you choose, usually within days. The funeral is paid for, the bills are settled, and nobody pays out of pocket.
Two minutes to start. We handle the rest. A licensed agent in your state compares 30+ insurers for you and calls with the lowest rate for your age and health.
$10,000+
what a funeral with burial costs today, once you add the plot and headstone
Without a plan, that bill lands on your kids, often within a week. With one, nobody has to pass the hat, drain their savings or start a GoFundMe.
It never expires, and it can't be canceled because you get older or your health changes. As long as you pay, your family is covered.
Your price is set by your age, so it will never be lower than it is today.
Most plans ask a few yes-or-no health questions over the phone. No needles, no nurse visit. People with diabetes, high blood pressure or past heart trouble get covered every day.
Most people who come to us are thinking one of these.
“I've meant to sort this out for years. I just keep putting it off.”
Two minutes today and it's handled. One call, one plan, and your price is locked at today's age instead of next year's.
“With my blood pressure and my sugar, I figured nobody would cover me.”
Your health isn't a dead end. The agent knows which insurers accept which conditions and goes straight to the ones that fit you.
“I don't want Mom worrying about how her funeral gets paid for.”
You can start it for a parent. Use your own phone number, and the agent walks you both through it.
No. Your info goes to one licensed agent only. It is never auctioned to a call center. That one agent calls you, usually within one business day.
No. The call costs nothing and there's no obligation. If it's not a fit, say no and that's the end of it.
Less than most people expect. Your price depends on your age, your health and the amount you pick, and plans are made to fit a fixed income. The agent shows you exact prices on the call, and once you start, your price is locked for life.
Very likely. Most final expense plans have no medical exam, just a few health questions. People with diabetes, high blood pressure, COPD or past heart problems get covered all the time. The agent knows which insurers say yes to which conditions.
Not on a locked-rate plan. Most final expense policies are whole life: the price is set the day you apply and never goes up, and the coverage never expires.
Whatever your family needs. The money goes to the person you name, and they decide how to use it: the funeral, burial or cremation, medical bills, credit cards, or travel for family coming in.
Most people choose $10,000 to $25,000, enough for a funeral and final bills. Not sure? Pick "Not sure yet" in the quiz and the agent will help you land on the right amount.
Yes. Lots of people start this for a parent. Use your own phone number, so the agent calls you. Your parent joins the call to answer the health questions and sign.
No. Clear Life Plans is a private company, run by HS Ventures Inc. We're not an insurance company. We match you with one licensed, independent agent in your state, who offers plans from well-known insurance companies.
One licensed agent does the shopping for you and calls with your options. No exam, no obligation, and your price is locked at today's age.
See my coverage options