Life Insurance
Final Expense Insurance
A small whole life policy that pays your family directly, so they can cover your funeral, final medical bills, and other costs without stress.
At a glance
- Coverage lasts
- Your whole life
- Typical amounts
- $5,000 to $50,000
- Common ages
- 50 to 85
- Medical exam
- Usually none
- Premiums
- Never go up
How it works
You answer a few health questions instead of taking a medical exam. Once you're approved, your premium is locked in and your benefit never goes down as you get older.
When you pass away, the insurance company pays your beneficiary directly. Your family can use the money for anything: the funeral, medical bills, a headstone, or travel for relatives.
Each insurance company asks different health questions, so we compare several of them to find the best price for your situation.
Who it's for
- Adults roughly 50 to 85 who want funeral and burial or cremation costs covered
- Parents who don't want to leave bills behind for their children
- Anyone who wants coverage without a medical exam
- People with health conditions who were turned down before
Good to know
- Final expense insurance and burial insurance are usually the same product.
- Plans for people with serious health conditions may have a waiting period, often two years, before the full benefit pays.
- Policies build a small amount of cash value over time.
- Pre-need insurance is different. It pays a specific funeral home instead of your family.
Ready to talk it through?
Book a free 15-minute call by phone or video. No obligation and no pressure.