Simple, Affordable
Protection for Funeral & End-of-Life Costs
What Is Final Expense Insurance?
Why Final Expense Planning Matters
Protect Your Family
Ensure your loved ones aren't burdened with unexpected funeral costs during an already difficult time.
Peace of Mind
Know that your final wishes will be honored and your family will have the resources to carry them out.
Lock in Rates
Final expense insurance locks in your premium, protecting you from future rate increases.
Easy Qualification
Many policies don't require medical exams, making it accessible to most people.
Flexible Coverage
Choose coverage amounts that fit your needs and budget, from $5,000 to $25,000 or more.
Tax-Free Benefit
Life insurance death benefits are typically paid tax-free to your beneficiaries.
Who Should Consider Final Expense Insurance?
- Seniors aged 50+ looking to protect their families
- Individuals with limited savings or retirement funds
- People who want to leave a legacy without financial burden
- Parents who want to ensure their children aren't burdened with funeral costs
- Anyone concerned about rising funeral and end-of-life care costs
- Those with pre-existing health conditions who need accessible coverage
How Final Expense Insurance Works
1
Apply
2
Get Approved
3
Pay Premiums
4
Beneficiary Receives Payout
Why Final Expense Planning Matters
Funeral Services
Casket, embalming, viewing, and funeral ceremony
Burial or Cremation
Grave plot, headstone, or cremation services
Administrative Costs
Death certificates, probate, and legal fees
Medical Bills
Many policies don't require medical exams, making it accessible to most people.
Flexible Coverage
Choose coverage amounts that fit your needs and budget, from $5,000 to $25,000 or more.
Tax-Free Benefit
Life insurance death benefits are typically paid tax-free to your beneficiaries.
Typical Coverage Amounts & Costs
Best For
Coverage Amount
Typical Monthly Cost
$5,000 - $10,000
$25 - $50/month
Basic funeral expenses
$10,000 - $15,000
$50 - $75/month
Funeral + some additional costs
$15,000 - $25,000
$75 - $125/month
Comprehensive coverage
$25,000+
$125+/month
Full end-of-life planning
Funeral Costs vs. Planning Ahead
With Final Expense Insurance
- Coverage locked in at affordable rates
- Family protected from financial hardship
- No need for loans or credit card debt
- Clear plan reduces family conflict
- Freedom to choose meaningful services
- Peace of mind for you and your loved ones
Without Planning
- Average funeral costs: $7,000 - $12,000
- Family faces unexpected financial burden
- May need to take out loans or use credit cards
- Potential family conflict over expenses
- Limited options due to financial constraints
- Stress compounds grief and mourning
Final Expense Insurance Questions & Answers
Many final expense insurance policies are available without a medical exam, making them easier to qualify for. However, some policies may require health questions or a brief medical evaluation depending on the coverage amount.
Most final expense insurance policies pay out within 10-14 days of claim approval. Some expedited policies may process claims even faster, ensuring your family has funds when they need them most.
Yes, many final expense insurance policies accept applicants with pre-existing conditions. However, coverage may be limited during the first 2-3 years (contestability period) for certain conditions.
Yes, you can typically change your beneficiary at any time by contacting your insurance provider. This flexibility allows you to update your coverage as your circumstances change.
Yes, you can cancel your policy at any time. If you cancel within the free look period (usually 30 days), you may receive a full refund of premiums paid.
Choosing the Right Final Expense Coverage
Assess Your Needs
- Calculate potential funeral costs
- Consider outstanding debts
- Think about travel expenses
- Account for inflation
Compare Options
- Review coverage amounts
- Compare monthly premiums
- Check underwriting requirements
- Evaluate payout speed
Make Your Decision
- Choose appropriate coverage
- Select your beneficiary
- Complete the application
- Start your protection
Get Help Exploring Your Options
Our licensed insurance agents are ready to help you find affordable final expense coverage that fits your needs and budget. Get a free consultation today—no obligation.
