Do I need a medical exam to qualify?

No medical exam is required. Final expense insurance is designed to be accessible — eligibility is determined by a few simple health questions, not a physical exam.

What ages are eligible for coverage?

Most plans are available to applicants between ages 50 and 85. Some carriers extend eligibility to age 89. A licensed agent can help you find the best option for your age.

How much does final expense coverage cost?

Premiums vary based on your age, health history, and desired coverage amount. Plans start as low as $20 per month. Your quote will reflect your specific situation with no obligation.

When does my coverage begin?

Accidental death coverage begins on day one. Full natural death coverage typically begins immediately for qualified applicants, though some plans include a 2-year graded period for certain health conditions.

Can my premium ever increase?

No. Once you enroll, your premium is locked in for life. It will never increase regardless of changes in your age or health, and your coverage amount will never decrease.

How does my family receive the benefit?

Upon your passing, your named beneficiary submits a claim with a certified death certificate. Benefits are typically paid directly to the beneficiary within 24–72 hours of claim approval.

Privacy Policy

TopDog Final Expense Insurance (“TopDog,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or request a quote for final expense insurance coverage, and it explains the rights available to you under applicable state privacy laws.

1. Information We Collect

We may collect the following categories of information:

Personal identifiers — name, date of birth, gender, phone number, email address, and mailing address.
Health-related information — general health status, tobacco use, or medical history relevant to determining final expense insurance eligibility, provided voluntarily by you.
Financial information — income range, budget, or payment preferences provided to help match you with appropriate coverage.
Beneficiary information — if you choose to share it, the name and relationship of the person you intend to name as your policy beneficiary.
Technical data — IP address, browser and device type, pages visited, referral source, and approximate location, collected automatically via cookies and similar technologies.

We collect this information directly from you when you fill out a quote request form, speak with one of our representatives, or interact with our website.

2. How We Use Your Information

To generate final expense insurance quotes and match you with a licensed agent or carrier.
To respond to inquiries and provide customer support.
To verify your identity and prevent fraud.
To analyze and improve our website, services, and marketing campaigns.
To comply with applicable insurance regulations, recordkeeping requirements, and other legal obligations.
To send you relevant communications about coverage options, which you may opt out of at any time.

4. Cookies & Tracking

Our website uses cookies, pixels, and similar tracking technologies to operate core site features, remember your preferences, measure traffic and ad performance, and personalize content. Most browsers let you block or delete cookies through their settings; doing so may limit some site functionality, such as saving your quote progress.

5. Data Retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, including providing your quote, complying with insurance recordkeeping and legal requirements, and resolving disputes. When information is no longer needed, we take reasonable steps to delete or de-identify it.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Your State Privacy Rights

Depending on where you live, you may have additional rights under state privacy laws — including the California Consumer Privacy Act (CCPA), Virginia Consumer Data Protection Act (VCDPA), Colorado Privacy Act (CPA), Connecticut Data Privacy Act (CTDPA), Utah Consumer Privacy Act (UCPA), and similar laws in other states. These rights may include the ability to:

Know what personal information we have collected about you and why.
Request a copy of, or correction to, your personal information.
Request deletion of your personal information, subject to certain legal exceptions.
Opt out of the sale or sharing of personal information and of targeted advertising.
Not be discriminated against for exercising any of these rights.

To exercise any of these rights, contact us using the information in the “Contact Us” section below. We will verify your request and respond within the timeframe required by your state’s law.

8. Your Choices

In addition to the rights listed above, you may opt out of marketing calls, texts, or emails at any time by following the unsubscribe instructions in our messages, replying STOP to a text, or contacting us directly. Opting out of marketing does not affect any insurance policy you may have already purchased through a carrier or agent.

9. Children’s Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect personal information from children, and we will delete any such information if we become aware of it.

10. Third-Party Links

Our website may contain links to third-party websites, such as carrier sites or payment portals. We are not responsible for the privacy practices of those third parties, and we encourage you to review their privacy policies before sharing information with them.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated revision date, and material changes will be highlighted where required by law.

12. Frequently Asked Questions

Does TopDog Final Expense sell my personal information?

No. We do not sell your personal information to unrelated third parties. We share your information only with licensed insurance carriers and agents to provide you with a quote, and with service providers who help us operate our website.

Why do I need to provide health information to get a quote?

Final expense insurance premiums and eligibility are based in part on your health history. Sharing general health information allows the licensed agent you're matched with to give you a more accurate quote, but you are never required to provide more detail than you're comfortable with online.

Can I stop receiving calls or texts after requesting a quote?

Yes. You can opt out of further communications at any time by replying STOP to any text message, asking the agent who contacts you to remove your information, or calling us directly at 866-963-5898.

How do I request a copy or deletion of my personal information?

You can request access to, a copy of, or deletion of your personal information by contacting us at 866-963-5898 or through the contact details on this page. We will respond within the timeframe required by applicable law.

Is TopDog Final Expense an insurance company?

No. TopDog Final Expense is a marketing platform that connects consumers with licensed, independent insurance agents and carriers. We do not underwrite policies or make coverage decisions ourselves.

Does this site use cookies or tracking technology?

Yes. We use cookies and similar technologies to operate the site, understand how visitors use it, and measure the performance of our marketing. You can manage or disable cookies through your browser settings.

13. Contact Us

If you have questions about this Privacy Policy, want to exercise any of the rights described above, or want to know more about how we handle your information, please contact us at 866-963-5898.