Coverage Calculator

Phillip Chin

Written by Phillip Chin · Licensed Insurance Broker · NPN 8895251 · About Phillip
Updated July 8, 2026

Coverage calculator

How much coverage do you actually need?

Answer a few quick questions — no contact info needed — and see a coverage estimate that actually fits. Takes under a minute.

1. What kind of service?

Every option already includes the funeral home’s basic services and the casket or urn.

2. Add a cemetery plot & headstone?

Choose Yes only if you’ll be buried in a plot. Skip it for cremation.

3. Debts to pay off — cards, loans: $5,000

4. Final medical bills: $2,000

5. Leave a gift for family (optional): $0

6. Money already set aside (we subtract it): $0

Estimate

Suggested coverage

$16,000

Suggested coverage$16,000

Get My Free Quote

A planning estimate using national average costs. Your real needs vary by service, state, and provider — we’ll help you fine-tune it.

Reviewed by Phillip Chin

Licensed insurance broker since 2008 · NPN #8895251 · Verify at nipr.com

Compare with other carriers

Royal Neighbors of America Final Expense ReviewRead review →Transamerica Final Expense ReviewRead review →Mutual of Omaha Final Expense ReviewRead review →Colonial Penn Life Insurance ReviewRead review →Aetna (Accendo) Final Expense Insurance ReviewRead review →GTL (Guarantee Trust Life) Final Expense ReviewRead review →Gerber Life Guaranteed Life Insurance ReviewRead review →CICA Life Insurance ReviewRead review →Corebridge (formerly AIG) Guaranteed Issue Whole Life ReviewRead review →Compare top guaranteed-issue carriers freeGet my quote →

Call Now Get My Quote

Guaranteed Life Insured

Guaranteed acceptance life insurance for people who have been told no. No exams, no health questions, no declines — ages 18–85 (varies by carrier).

Coverage

By Situation

Company

Agent & Licensing. GuaranteedLifeInsured.com is owned and operated by Phillip Chin, a licensed life insurance agent (NPN #8895251). Phillip works with clients nationwide; licensing for your state is available upon request, and any agent’s license can be verified through the National Insurance Producer Registry at nipr.com.

About This Site. This website provides general information about life insurance and connects consumers with licensed insurance carriers. It is not affiliated with, connected to, or endorsed by any government agency. Guaranteed Life Insured is an independent insurance agency; insurance products are issued and underwritten solely by the respective insurance carriers. All product guarantees are subject to the claims-paying ability of the issuing insurance company.

Rates & Availability. Sample rates shown on this site are for illustration purposes only and are not an offer of coverage or a guarantee of premium. Actual rates and product availability vary by state, age, sex, coverage amount and issuing carrier. Benefits, riders, exclusions and terms vary by state — refer to policy documents for the terms that apply in your state.

Graded Death Benefit Disclosure. Guaranteed issue (guaranteed acceptance) whole life policies contain a graded death benefit. If death occurs from natural causes within the first two to three policy years (varies by carrier and state), the benefit is limited to a return of premiums paid plus interest (typically 7%–10%). Death due to accident is generally covered in full from the policy effective date. See your policy for exact provisions.

Privacy. Information submitted through quote forms is used only to provide insurance quotes and service and is never sold to third-party lead vendors. See our Privacy Policy and ADA Compliance Statement.

© 2026 GuaranteedLifeInsured.com — All rights reserved. No portion of this site may be copied, published or distributed without prior written authorization.

Get My Personalized RateSee every option you qualify for