Peace of Mind for You. Protection for Them.
Funeral and medical costs can create unexpected financial stress for families. At Rocky Mountain Insurance Advisors (RMIA), we help Castle Rock residents plan ahead with affordable Final Expense Insurance — ensuring your loved ones are cared for, not burdened, when the time comes.
Final Expense Insurance, also known as burial insurance or funeral insurance, is a small whole-life policy designed to cover end-of-life costs such as funeral services, medical bills, and outstanding debts.
Unlike large life insurance plans, final expense policies are simple, affordable, and easy to qualify for — often with no medical exam required.
The goal is simple: to give your loved ones peace of mind and financial relief during a difficult time.
A Final Expense policy typically covers:
Funeral, burial, or cremation costs
Outstanding medical or hospital bills
Small debts or credit balances
Family travel or memorial expenses
Remaining utility or estate settlement costs
Your beneficiary receives a tax-free cash benefit they can use immediately for any purpose — giving them flexibility when they need it most.
Colorado funeral and burial expenses often range from $8,000 to $15,000 — and those costs continue to rise.
Without preparation, surviving family members are left to cover these expenses out-of-pocket.
Final Expense Insurance ensures:
Your wishes are honored
Your family avoids financial strain
Funds are available quickly without delay or probate
Coverage stays in place for life — no expiration
This plan is ideal for:
Retirees seeking a small, permanent life policy
Seniors without existing life insurance
Individuals with health concerns who may not qualify for term coverage
Anyone who wants to protect loved ones from unexpected costs
Guaranteed Coverage Options: Many carriers offer simplified approval — no medical exam, just health questions.
Fixed Premiums: Your monthly rate never increases.
Lifetime Protection: As long as you pay your premiums, coverage never expires.
Fast Payout: Benefits are paid directly to your beneficiaries — usually within days.
Affordable for All Budgets: Flexible face amounts from $5,000 to $50,000+.
Independent & Local: We compare multiple carriers to find the best rate and approval for your age and health.
Compassionate Advisors: We handle every conversation with care and clarity.
Simple Process: Most policies can be approved within 24–48 hours.
Trusted Since 2003: Serving Castle Rock and Douglas County families with honesty and professionalism.
Final expense insurance is smaller, simpler, and designed to cover funeral costs — usually between $5,000 and $50,000. It’s ideal for older adults or those seeking lifelong protection at a low cost.
Most final expense policies require only basic health questions — no exam. Guaranteed-issue options are also available.
Typically within 3 to 10 days after the claim is submitted, giving your family quick access to funds.
Yes — you may name a spouse, child, relative, or trusted friend. The benefit is paid directly to them, tax-free.
Many Castle Rock residents choose $10,000–$25,000 to cover funeral and final costs. We’ll help calculate what fits your wishes and budget.
Experience clarity, confidence, and care with every step — from discovery to claim.
We assess your coverage needs and explain everything in plain language — no jargon, no confusion.
As an independent agency, we partner with multiple carriers to bring you the most competitive coverage options.
When you have a question, change, or claim — we’re just a call away, ready to assist you personally.
Planning for tomorrow is one of the most loving gifts you can give your family.
Let RMIA help you secure affordable final expense coverage that provides comfort and peace of mind.
