PolicySolutionsFinal Expense Insurance in Michigan.
Final expense is a smaller whole life policy built to cover funeral, burial, and other end-of-life costs — often with no medical exam — approval is based on your answers to the health questions on the application. Licensed agents compare multiple carriers for Michigan residents, so the recommendation fits your situation — not a single company's lineup.
Final Expense Insurance in Michigan: the facts
Final Expense Insurance in Michigan is available through PolicySolutions, a licensed independent agency (NPN 20612303) that compares 5 carriers for Michigan residents. Coverage generally runs $2,000–$50,000 for issue ages typically 45–85, and Michigan law gives you at least 10 days to review a new policy and cancel it for a full refund.
- Free-look period
- 10 days on a newly issued policy. Source
- State regulator
- Michigan Department of Insurance and Financial Services — consumer help
- Licensing
- PolicySolutions is licensed in Michigan; verify NPN 20612303 with the Michigan Department of Insurance and Financial Services.
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
State facts verified 2026-07-20 against the cited authority. Rates and underwriting vary by carrier and applicant.
What final expense insurance looks like for Michigan families
Real numbers depend on your age and health — here's the honest starting point.
What it's sized to cover
The national median funeral with viewing and burial runs about $8,300 (NFDA 2023 General Price List Study), or about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Many Michigan families size coverage to that, plus any final medical bills or small debts.
Burial insurance vs. final expense — what's actually different →
A common Michigan scenario
For a 65-year-old in Michigan considering $15,000 of coverage, a licensed agent compares carriers to find the lowest rate you actually qualify for. Because pricing depends on age and health, we confirm real numbers with you rather than post a teaser rate.
Final Expense Insurance in Michigan: the local picture
Michigan's life-insurance landscape
Michigan is home to Jackson National Life Insurance Company, headquartered in Lansing and one of the nation's largest annuity providers. The Michigan Department of Insurance and Financial Services (DIFS) regulates life insurers and assists residents by answering coverage questions, investigating complaints, and enforcing a statutory minimum 10-day free-look period on new life policies.
Your Michigan consumer protections
Michigan gives you a free-look period of at least 10 days to review a newly issued policy — return the policy inside that window — the clock starts when the policy is delivered to you, and some states also require a written cancellation request — for a refund of the premium you paid. Confirm the number and the return instructions printed in your own policy. The Michigan Department of Insurance and Financial Services regulates insurers operating in the state and publishes consumer guides and complaint resources. You can independently verify any licensed agent or agency through the national NIPR producer database.
Compare the free-look period in every state we serve →
Visit the Michigan Department of Insurance and Financial Services →
How final expense insurance works
- Coverage amount
- $2,000–$50,000
- Issue ages
- typically 45–85
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
- Premiums
- Level premiums that never increase; coverage lasts for life as long as premiums are paid
Final Expense Insurance in Michigan — common questions
How much does a funeral cost in Michigan?
The national median for a funeral with viewing and burial is about $8,300 (NFDA 2023 General Price List Study), and about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Actual costs in Michigan vary by provider and the arrangements you choose.
Do I need a medical exam to buy final expense insurance in Michigan?
No medical exam for many applicants (simplified or guaranteed issue). A licensed agent in Michigan can confirm which carriers approve you without one.
Is there a free-look period on a policy in Michigan?
Yes. Michigan gives you a free-look period of at least 10 days to review a newly issued policy. To cancel, return the policy to the insurer with a written cancellation request inside that window and you receive a refund of the premium you paid. Variable products may refund account value rather than premium, and the controlling number is the one printed in your own policy.
How much final expense insurance coverage can I get in Michigan?
Coverage generally ranges from $2,000–$50,000, for issue ages typically 45–85. A licensed agent helps you size it to what you actually need.
Get a Michigan final expense insurance quote.
No obligation. A licensed agent walks you through real Michigan options and pricing based on your age, health, and goals.
Get qualified →