Life Insurance
Final Expense Insurance
Smaller whole-life coverage for funeral and end-of-life costs.
Smaller whole-life coverage for funeral and end-of-life costs.
Final expense is a smaller permanent policy designed to cover funeral, burial, and end-of-life costs so your loved ones aren't left with the bill. Qualification is easy, coverage never expires, and premiums stay level for life. It's especially popular with seniors.
See my rates →The bills that arrive in the hardest week. This is what a final expense policy is sized to cover.
| Expense | Typical U.S. cost |
|---|---|
| Funeral with burial | $8,000 - 12,000 |
| Cremation with memorial service | $6,000 - 8,000 |
| Final medical bills | $2,000 - 10,000 |
| Legal, probate, and estate costs | $1,500 - 5,000 |
| Most families plan for | $10,000 - 25,000 |
Typical national ranges - costs vary by state and choices. Policies from $5,000 to $50,000 let you match coverage to your plan.
Simple health questions; many approved quickly.
Permanent coverage that stays in force for life.
Your rate never increases.
Funeral, burial, and final bills - we help you target the actual number instead of overbuying coverage you do not need.
No exams. Approval is based on a short application, and many carriers decide within days or even instantly.
Premiums never rise, coverage never expires, and benefits are paid quickly to the people handling your affairs.
If you are healthy and need more than $50,000 of coverage, regular whole life or term prices better per dollar. If health issues have made coverage hard to find, final expense - or guaranteed issue with no questions at all - keeps the door open.
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