Protect Your Family FromUnexpected Funeral Costs
Get burial insurance up to $50,000 with no medical exam required. Most people up to age 85 get a same day decision, even with existing health conditions.
Your family deserves peace of mind.
No obligation • No pressure
A real licensed agent will call
As a broker we compare rates from America's most trusted carriers for you
Planning Ahead Is an Act of Love
No one likes to think about end of life expenses. But the reality is, funeral costs continue to rise, and many families aren't prepared. Taking this step now means your loved ones can focus on what truly matters: celebrating your life.
Funerals Are Expensive
The average funeral costs between $7,000 and $12,000. Without a plan, these costs often fall on family members during an already difficult time.
Many Families Aren't Ready
Most families don't have savings set aside for unexpected funeral expenses. A small policy can make all the difference.
Peace of Mind Matters
Knowing you've taken care of things brings relief, for you and your family. It's one less worry, and one more way to show you care.
What Final Expense Insurance Covers
Final expense insurance is a simple, affordable way to ensure your loved ones aren't left with unexpected costs. The money goes directly to your beneficiary. They decide how to use it.
- Covers funeral, burial, cremation, and final expenses
- Pay off outstanding medical bills and debts
- Leave a small gift or legacy to loved ones
- Small, affordable monthly payments
- Coverage from $2,000 to $50,000
- Benefits paid directly to your beneficiary, tax free
- Coverage never decreases, rates never increase
"Now I can rest easy knowing I won't leave my daughter with a financial burden when my time comes. The process was simple and there was no pressure."
Charlotte J.
Alabama
Affordable Coverage Starting Under $1/Day
Rates vary by age, health, and state. Here are sample monthly premiums to give you an idea of what to expect.
*Sample rates are estimates for nontobacco users in good health. Your actual rate may be lower or higher. Get your personalized quote for an exact price.
Ages 50 to 59
~$25/mo
$10,000 coverage
Ages 60 to 69
~$45/mo
$15,000 coverage
Ages 70 to 79
~$55/mo
$10,000 coverage
Ages 80 to 85
~$40/mo
$5,000 coverage
Why Families Choose Capstone Life
We're not here to pressure you. We're here to help you understand your options and find coverage that fits your family's needs and budget. You can expect clear answers, patient guidance, and respect at every step.
A Rated Carriers
We work with top rated insurance companies including Mutual of Omaha, AIG, Transamerica, Foresters, Liberty Bankers, CICA Life, and more.
Personal Phone Support
Speak with a real person who listens. No call centers, no scripts. Just honest guidance.
Locked In Rates
Your monthly payment never increases. The rate you get today is yours for life.
Same Day Approval
Most applicants get approved instantly or within the same day. No waiting weeks for answers.
No Medical Exam
Just a few simple health questions. No needles, no blood work, no doctor visits.
Faith & Family First
As a Christian owned agency, we treat every client like family. Your needs always come first.
What Our Clients Say
Real stories from real families we've helped protect.
"Capstone Life made the whole process so easy. I was approved the same day and my rate is locked in forever. My kids don't have to worry about a thing now."
Margaret S.
Denver, CO
"I called expecting a runaround, but instead I got a real person who walked me through everything. No pressure, no gimmicks. Just honest help. Best decision I've made."
Robert T.
Fort Worth, TX
"At 72 with a few health issues, I thought I couldn't get covered. Capstone Life found me an affordable plan with no medical exam. I wish I'd called sooner."
Linda M.
Salt Lake City, UT
"My wife and I both got covered for less than we expected. The agent compared rates from multiple carriers and saved us money. Highly recommend Capstone Life."
James W.
Austin, TX
"After my husband passed, I saw how much stress funeral costs caused. I got my own policy through Capstone Life so my children won't go through the same thing. Peace of mind is priceless."
Patricia H.
Colorado Springs, CO
"I'm 78 and was told by another company I couldn't qualify. Capstone Life found me a guaranteed issue plan that fit my budget perfectly. So grateful for their patience."
Dorothy K.
Provo, UT
"The agent spent over an hour with me comparing different plans. No rush, no pressure. I ended up with better coverage at a lower price than I expected."
Harold B.
San Antonio, TX
"I was nervous about the process but my agent made it feel like a conversation with a friend. Everything was explained clearly and I was covered by the end of the call."
Susan R.
Boulder, CO
"My mother needed coverage and spoke mostly Spanish. The team at Capstone Life was so accommodating and helped us find a plan that gave our whole family peace of mind."
Carlos M.
Houston, TX
"I've been paying into my policy for two years now and the rate has never changed, exactly as promised. It's comforting to know my grandchildren won't bear this burden."
Beverly J.
Ogden, UT
Getting Started Is Simple
No complicated forms. No confusing paperwork. Just three easy steps to learn about your options.
Fill Out the Form
Takes less than 30 seconds. Just your name and phone number.
Receive a Friendly Call
A licensed agent will call at a time that works for you.
Get Clear Answers
We'll explain your options clearly. No pressure, ever.
You Don't Have to Figure This Out Alone
Planning for the future is one of the most loving things you can do for your family. We're here to help you every step of the way with patience, respect, and the information you need to make the right choice.
No pressure. No obligation. Just honest answers.