Final Expense Insurance
Ensure your loved ones aren't burdened with funeral and final costs with affordable, guaranteed coverage
Book a ConsultationProtect Your Family from Final Expenses
Final Expense Insurance, also known as burial insurance or funeral insurance, is a small whole life insurance policy designed to cover end-of-life expenses. With the average funeral costing $7,000-$12,000, this coverage ensures your family won't face financial hardship during an already difficult time.
Unlike traditional life insurance, final expense policies are easier to qualify for, often requiring no medical exam. They feature smaller coverage amounts (typically $5,000-$50,000), affordable premiums, and guaranteed acceptance options for those with health issues.
Our advisors help you find the right coverage amount to handle funeral costs, outstanding medical bills, and other final expenses, giving you peace of mind that your family will be taken care of.
What Final Expense Insurance Covers
Comprehensive coverage for all end-of-life costs
Funeral Services
Funeral home fees, viewing, ceremony, staff services, and facility usage costs.
Casket or Urn
Cost of casket for burial or urn for cremation, including rental options for viewing.
Burial or Cremation
Cemetery plot, grave opening and closing, headstone, or cremation service fees.
Transportation
Hearse, limousine, and transportation of remains to funeral home and cemetery.
Legal Documents
Death certificates, permits, obituary notices, and other required documentation.
Outstanding Bills
Unpaid medical bills, credit card debt, or other final expenses your family inherits.
Types of Final Expense Policies
Choose the policy that fits your health and budget
Simplified Issue
Answer a few health questions, no medical exam required. Immediate full coverage for most applicants. Best rates for those in good health.
- No medical exam
- Immediate coverage
- Lowest premiums
Guaranteed Issue
No health questions, everyone accepted. Graded death benefit (2-3 year waiting period). Ideal for those with serious health conditions.
- No health questions
- Guaranteed acceptance
- Graded benefit period
Pre-Need Insurance
Policy purchased through funeral home, benefits paid directly to them. Locks in current funeral prices. Specific to chosen funeral home.
- Price lock guarantee
- Pre-planned services
- Direct payment to funeral home
Why Choose Final Expense Insurance?
Affordable protection with guaranteed benefits
Affordable Premiums
Low monthly payments that fit any budget, typically $30-$100 per month depending on age and coverage.
Easy Qualification
No medical exam required for most policies. Even those with health issues can qualify for guaranteed issue coverage.
Quick Approval
Get approved in minutes with simplified underwriting. Coverage can start immediately for qualified applicants.
Fixed Premiums
Your premium never increases as you age. Lock in your rate and budget with confidence.
Guaranteed Benefits
Whole life coverage that never expires as long as premiums are paid. Cash value accumulation over time.
Family Peace of Mind
Your loved ones won't have to scramble for funds or go into debt to cover your final expenses.
Frequently Asked Questions
Protect Your Family from Final Expense Burden
Get a free quote and see how affordable final expense insurance can be