Ranked by price, financial strength, and underwriting flexibility.
Mutual of Omaha is the best overall final expense carrier in 2026, with the most competitive rates for healthy non-smokers 60–85. AIG/Corebridge leads guaranteed-acceptance pricing, and Aetna's Accendo subsidiary is the most flexible for people with health conditions.
Industry leader for final expense. Strong financials, generous underwriting for tobacco users and common health conditions, day-one full benefit on Living Promise.
Best-priced guaranteed acceptance for ages 50–80. The Guaranteed Issue Whole Life plan is the industry benchmark.
Aetna's Accendo subsidiary writes level-benefit final expense for people with diabetes, COPD, and other conditions other carriers decline.
The Transamerica Express plan offers the highest face amounts in the final expense category, up to $50,000 simplified-issue.
Competitive PlanRight rates plus member benefits: scholarships, legal services, and grief counseling included.
Heavily marketed but generally more expensive than competitors. The $9.95/unit policy advertised on TV is a small fraction of a normal final expense amount.
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