Plan Ahead. Protect Your Family. Keep It Simple.
Coverage That Helps When It Matters Most
Citizens Final Expense pays cash to your loved ones — so they can cover funeral costs, medical bills, and more without financial stress.
Cash is paid directly to your beneficiary — not to a provider.
Available Monday–Friday, 9:00 AM to 6:00 PM EST
Why Final Expense Coverage?
Because Planning Ahead Is One Less Thing to Worry About
The average funeral can cost over $8,000 — and that doesn’t include medical bills or lingering debts. Citizens Final Expense coverage offers an affordable solution, giving your family financial support when it matters most.
Cash Paid Directly to Your Loved Ones
A tax-free lump sum goes straight to your beneficiary — not to providers or funeral homes — so they can use it however they need.
Covers More Than Just Funeral Costs
Funds can help pay for burial, cremation, lingering medical bills, outstanding debts, or day-to-day living expenses.
No Medical Exams or Health Questions
The CICA Life of America Final Expense plan offers guaranteed acceptance for individuals aged 0–85. No medical history, exams, or lengthy paperwork required.
Fixed Premiums. Long-Term Coverage.
Your monthly rate never increases, and your coverage stays active up to age 121 — regardless of changes in your health.
Simple to Understand. Easy to Use.
Choose the coverage amount that fits your needs — with options based on your age at the time of enrollment:
Ages 0–50: $1,000 to $30,000 | Ages 51–70: $1,000 to $20,000 | Ages 71–85: $1,000 to $10,000
When the time comes, your beneficiary may receive the full face amount in cash, depending on the plan selected and the length of time the policy has been active.There are no restrictions on how the money is used.
That means:
No Paperwork Headaches
Your loved ones receive their benefit quickly, without piles of forms or frustrating delays.
No Claims Runaround
A simple claims process ensures your beneficiary gets the help they need, without jumping through hoops.
No Coverage Confusion
Everything is straightforward, no fine print or guessing what’s included.
***Policies issued by CICA Life of America include a two-year contestability period. During this time: Guaranteed Issue policies: If the insured passes within the first 2 years, the beneficiary will receive 110% of premiums paid, not the full face amount. Standard Issue policies: Claims are subject to contestability in the first 2 years. Full benefits may be paid unless there’s evidence of misrepresentation.***
Why Citizens??
A Trusted Partner for Life’s Final Chapter
Citizens Final Expense is built to be dependable, dignified, and simple. As a client of American Health Marketplace, you have access to one of the most straightforward final planning products available — backed by a team that cares.
Whether you’re planning for yourself or helping a loved one prepare, we’re here to help you take the next step.