Everything you need to know about TrustCovr — answered clearly and honestly.
TrustCovr is a type of whole life insurance specifically designed to cover end-of-life costs — such as funeral and burial expenses, cremation, outstanding medical bills, and other debts left behind. It provides a tax-free lump-sum benefit paid directly to your named beneficiary, who can use the money for any purpose they choose.
No medical exam is required for most of our final expense plans. The application process involves answering a short series of health questions over the phone — no doctor visits, no blood work, no physical. Most applicants are approved the same day they call.
Your monthly premium depends on your age, the coverage amount you choose, your gender, and your health profile. Plans are available at very affordable rates — many seniors pay less than they expect. The best way to get an accurate number is to call us for a no-cost, no-obligation quote personalized to your situation.
Most of the plans we offer are available to Americans ages 50 to 85. If you're outside this age range, call us anyway — some of our carrier partners offer options for applicants younger than 50 or older than 85 depending on their state and health profile.
There are no restrictions. Your beneficiary receives the full death benefit as a tax-free lump sum and can use it for anything they need — funeral home costs, burial plot, cremation, headstone, outstanding medical bills, credit card balances, rent, utilities, or simply having a financial cushion during a difficult time.
These terms are often used interchangeably. Both refer to small whole life insurance policies designed primarily to cover end-of-life expenses. Some agents may use "burial insurance" to refer specifically to plans marketed for funeral costs, while "TrustCovr" is a broader term. The underlying product is essentially the same.
No. Once your policy is issued and active, your monthly premium is permanently locked in. It will never increase due to age, inflation, or changes in your health. This is one of the key advantages of whole life TrustCovr — your budget stays predictable for life.
Most carriers process and pay approved claims within 24 to 48 business hours of receiving all required documentation, including a certified death certificate and completed claim form. Payment is made directly to the named beneficiary — no probate delays, no waiting for an estate to settle.
Yes — in most cases. Many of our plans are specifically designed for seniors who have one or more common health conditions, including type 2 diabetes, high blood pressure, COPD, arthritis, and more. We work with multiple carriers so we can find the plan that best fits your specific health profile. Even if you've been denied coverage elsewhere, it's worth calling us.
Most applicants qualify for immediate full coverage with no waiting period. For applicants with certain serious health conditions, some plans include a 2-year graded benefit period — meaning if you pass away within the first 2 years, your beneficiary receives a return of premiums plus interest rather than the full benefit. Your agent will explain exactly which type of coverage you qualify for before you apply.
Simply call our toll-free number to speak with a licensed agent. The entire application is completed by phone in 15–20 minutes. You'll answer a few health questions, review your plan options, and — if you choose to proceed — complete the application right then and there. Most people are approved on the same call.
Still Have Questions? Call Us.
Our licensed agents are available 7 days a week to answer every question you have — with no pressure and no obligation.
By calling, you consent to be contacted by a licensed insurance agent regarding TrustCovr. Not affiliated with any government program or Medicare. Insurance availability varies by state.