Final Expense Insurance

Funeral and burial costs can place a heavy financial burden on loved ones. Protect your family with a final expense plan to bring security when it's needed most.

No one likes to think about the end of life—but planning for it can be one of the most thoughtful gifts you leave behind. Final Expense Insurance, also known as burial insurance or funeral insurance, is a small whole life policy designed to help cover the cost of funeral services, burial or cremation, and other related expenses.



It’s a simple, affordable way to reduce the financial burden on your loved ones during a difficult time

Why Consider Final Expense Insurance?

Funerals today can cost anywhere from $7,000 to $12,000 or more, depending on services and location. Many families are unprepared for these sudden costs, especially when they're also navigating medical bills or legal matters.

Final Expense Insurance helps cover:

• Funeral and burial or cremation costs

• Headstones, memorial services, and transportation

• Unpaid medical bills

• Legal or estate settlement fees

• Any other needs your loved ones may face



Unlike large life insurance policies, final expense plans are smaller, easier to qualify for, and designed specifically for end-of-life costs.

Key Features of Final Expense Policies

These policies are tailored for seniors, and most offer:

• Coverage amounts from $2,000 to $50,000

• Fixed premiums that never increase with age

• Simplified underwriting, with no medical exam required for many plans

• Lifetime coverage as long as premiums are paid

• Guaranteed payouts to beneficiaries—typically tax-free

Some policies also allow you to name a funeral home as the beneficiary or pre-arrange services in advance.

Who Is Final Expense Insurance For?

This type of insurance is ideal for:

• Seniors who don’t have a life insurance policy or sufficient savings set aside

• Individuals who want to avoid burdening their loved ones with funeral costs

• Those who’ve been declined for traditional life insurance due to age or health



Whether you’re planning ahead or helping a loved one prepare, final expense insurance offers a sense of control and kindness.