Don't leave your family with the bill
Final expense insurance is a small whole life policy that covers funeral costs, medical bills, and other final expenses, so your loved ones can grieve without the financial stress.
Funerals are expensive
The median cost of a funeral with burial is now more than $8,000, and that often doesn't include the cemetery plot, headstone, or outstanding bills. Final expense coverage makes sure the money is there when your family needs it.
- Coverage typically from $5,000 to $35,000
- Premiums never go up
- Coverage never expires as long as premiums are paid
- Many plans have no medical exam, just health questions
- Benefit is usually paid quickly to your beneficiary
Health issues? You still have options.
Many final expense plans are designed for people with health conditions. Depending on your answers, you may qualify for full coverage from day one. If not, guaranteed-issue plans are available with no health questions at all, usually with a waiting period before the full benefit applies.
Check my options →Final expense questions
Who is final expense insurance for?
It's most popular with people in their 50s to 80s who want to cover final costs without a large policy. Anyone who wants to spare their family the expense can consider it.
Is there a medical exam?
Usually not. Most plans ask health questions instead. Some plans have no health questions at all.
Can my beneficiary use the money for anything?
Yes. The benefit goes to your beneficiary, who can use it for the funeral, bills, or anything else.
What's a waiting period?
Guaranteed-issue plans often pay a limited benefit, like a refund of premiums plus interest, if death from natural causes happens in the first two or three years. Accidental death is usually covered from day one.
Get a final expense quote
It takes about 15 minutes, and there's no obligation.