Final Expense Insurance
Peace of Mind for You and Your Family
Request A Free Final Expense Insurance QuoteFinal Expense Insurance:
Peace of Mind for You and Your Family
Nobody likes to think about it, but funerals are expensive.
The average funeral costs $8,000 to $15,000, and that doesn't include:
- Cemetery plots
- Headstones or markers
- Outstanding medical bills
- Legal or probate fees
Final expense insurance makes sure your loved ones aren't left with a financial burden during one of the hardest times of their lives.
Also called burial insurance, final expense is a smaller whole life policy designed to cover end-of-life costs — so your family can focus on healing, not on how to pay the bills.
What Does Final Expense Insurance Cover?
Your beneficiaries can use the death benefit for anything, but it's typically designed to cover:
- Funeral and burial expenses – Caskets, services, flowers, burial plot
- Cremation expenses – If you prefer cremation
- Outstanding medical bills – Hospital stays, medications, treatments
- Unpaid debts – Car loans or lines of credit, credit card balances
- Remaining bills – For groceries, prescriptions, rent or utilities
- Any other final expenses – Legal fees, travel for family members, estate costs
The money goes directly to your beneficiary, and they decide how to use it for final expenses.
Key Benefits Of Final Expense Insurance
Coverage that fits your needs – Policies typically range from $5,000 to $50,000+ — just enough to cover final expenses without overpaying for more coverage than you need.
- Whole life policy – It never expires – Unlike term insurance, final expense is permanent coverage. As long as you pay your premiums, you're covered for life.
- Guaranteed level premiums – Lock in your rate today. It won't go up as you age.
- No medical exam required – Most final expense policies don't require a medical exam; just answer a few health questions on the application.
- Guaranteed acceptance options – Even if you have prior health issues, conditions, guaranteed acceptance products are available. Everyone can get coverage.
- Quick and easy application – You can often do it online or by phone, and many policies receive approval within days.
- Cash value accumulation – Builds up cash value over time that you can borrow against if needed.
Who Is Final Expense Insurance For?
Final expense insurance is designed for people between ages 50-85 who want simple, permanent coverage to handle end-of-life costs. It's especially helpful if health conditions have made traditional life insurance difficult to obtain.
- Want to cover funeral costs so your family doesn't have to
- Don't need a large death benefit, just enough for final expenses
- Want permanent coverage that won't expire or require renewal
- Prefer straightforward protection, not complicated investment products
How The Application Process Works
- We talk – I learn about your situation and what you're trying to accomplish
- I shop for the best fit – Based on your budget, coverage needs, and health, I'll find the best options for you — from 30+ carriers
- No medical exams – Just answer a few health questions (no medical exam required)
- Quick approval – Most applications are approved instantly or within days
- Coverage begins – Once you're approved and the premium is paid, you're protected
The entire process can often be completed in a single phone call.
Why Work With Me?
Final expense insurance is one of those products where the wrong policy can cost you money — or leave your family without the protection they need. That's why guidance you can trust is so important.
- I'm an independent agent – I work with multiple carriers to find you the best fit.
- If you're healthy – I'll find you the lowest rate.
- If you have health issues – You can still qualify for coverage. I know which carriers are less strict on specific health conditions.
- If you've been declined before – I can often find a company that will approve you.
I've helped hundreds of seniors get the coverage they need. Let me help you.
Give Your Family Peace Of Mind
You've spent your whole life taking care of your family. This is one more way to make sure they're taken care of — even when you're gone.
Getting a quote is free, and there's no obligation — just find the right coverage for your situation.
Want to learn more first? Read our Complete Final Expense Insurance Guide.