Peace of mind for the people you love.
Final expense insurance is a smaller whole life policy meant to help pay for funeral costs and final bills, so your family can grieve without worrying about money. Our agents compare options from several companies and help you find coverage that fits a fixed income.
- Often no medical exam
- Many policies have level premiums
- Benefit paid directly to your beneficiary
What final expense coverage can help pay for
The benefit goes to the person you name, and they decide how to use it.
Funeral & burial
Service, burial or cremation, headstone, and related costs.
Medical bills
Final medical bills not covered by other insurance.
Debts & bills
Credit cards, utility bills, or other balances left behind.
A gift to family
Anything left over can go to your loved ones however they need it.
Two common types of final expense policies
The right one depends mostly on your health. Your agent will ask a few questions and point you to the best place to start.
Simplified issue
You answer a short list of health questions on the application, usually with no medical exam. If you qualify, coverage is often full from day one.
- Health questions, usually no exam
- Often lower premiums than guaranteed issue
- Some policies have a graded benefit based on your answers
Guaranteed issue
"Guaranteed issue" is a type of plan: if you're within the eligible ages, you can't be turned down for health reasons and there are no health questions.
- No health questions within the eligible ages
- Usually includes a waiting period (often 2–3 years) when the death benefit for natural causes is limited
- Typically costs more for the same amount of coverage
Simple from start to finish
- A short phone callWe talk about your budget, how much coverage you'd like, and a few health basics.
- We compare companiesYour agent looks at the companies we represent to find which ones you may qualify with.
- Apply by phoneMany applications take one call, often with no exam. Some decisions come quickly.
- Tell your familyWe'll help you make sure your beneficiary knows the policy exists and how to file a claim.
Have these handy for your call
- Your date of birth and height/weight
- A list of your medications
- Who you want as your beneficiary
- A monthly budget you're comfortable with
See what fits your budget
There's no cost to compare and no obligation to buy. If a policy isn't right for you, we'll say so.
- Options from several insurance companies
- Coverage amounts sized to final costs
- An agent you can call with questions later
Final expense questions
Is final expense insurance the same as burial insurance?
They're often used to mean the same thing: a smaller whole life policy meant for final costs. The benefit is paid to your beneficiary, who can use it for any purpose.
How much coverage do people usually get?
It depends on what you want covered. Your agent can help you estimate typical funeral and final costs in your area and pick an amount that fits your budget.
Will my premium go up as I get older?
Many final expense policies have level premiums that don't increase with age. Check the policy terms; your agent will confirm before you apply.
Can I get coverage with health problems?
Often, yes. Some policies accept certain conditions, and guaranteed issue plans don't ask health questions within the eligible ages, though they usually include a waiting period.
Is this different from a prepaid funeral plan?
Yes. A prepaid plan is an agreement with a funeral home. Final expense insurance pays money to your beneficiary, who chooses how to use it.
Give your family one less thing to worry about.
A free 15-minute call with a licensed agent. No exam needed to get a quote.