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Final Expense Insurance

Ease the Burden on the People You Love

Final expense insurance is a smaller whole life policy designed to help cover funeral costs, medical bills and other end-of-life expenses. We compare options from A-rated financial companies, including policies with simplified applications.
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What it is

Coverage designed for end-of-life costs.

Final expense insurance, sometimes called burial insurance, is a type of whole life policy with a smaller death benefit, often between $5,000 and $50,000. It’s designed to help your family pay for a funeral, outstanding medical bills or other final costs.

Many policies have simplified applications with health questions instead of a medical exam, and premiums generally stay the same for life. Some policies have a waiting period before the full benefit is available.

Smaller, more affordable coverage amounts
Premiums that generally stay the same
Simplified applications on many policies
Coverage designed to last your lifetime
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Key features

How final expense works for you

Six features that make final expense coverage simple and accessible.

Funeral & burial costs

Help your family cover the cost of a funeral, burial or cremation.

Final medical bills

Pay outstanding medical or hospital bills so they don’t fall on loved ones.

Simplified application

Many policies use health questions instead of a medical exam.

Fixed premiums

Premiums generally stay the same for the life of the policy.

Lifelong coverage

Designed to last your lifetime as long as premiums are paid.

Flexible use

Your beneficiaries can use the benefit for any expense they need.

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Benefits & considerations

The full picture, before you decide

Final expense coverage is simple and accessible, but it isn’t meant to replace income. Here’s an honest look at both sides.

Benefits

Helps your family avoid paying final costs out of pocket
Easier to qualify for than many other policies
Premiums that generally stay the same
Coverage designed to last your lifetime
Benefit can be used for any expense

Things to consider

Smaller coverage amounts than other life insurance
Higher cost per dollar of coverage
Some policies have a waiting period of two or three years
Not designed to replace income or pay off a mortgage
Premiums depend on age and health at application

Why it matters

Planning ahead is one of the kindest things you can do for your family. It lets them focus on remembering you, not on the bills.

FAQ

Final expense questions, answered

Still have questions? Book a free consultation and we’ll help you find coverage that fits your budget.
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How much coverage do I need?
Many people choose enough to cover a funeral and any remaining bills, often $10,000 to $25,000. We’ll help you estimate a sensible amount for your wishes and budget.
Do I need a medical exam?
Usually not. Many final expense policies use a short list of health questions instead of an exam.
What is a waiting period?
Some policies, often called graded or guaranteed issue, pay only a partial benefit if death from natural causes happens in the first two or three years. We’ll explain which policies have one.
Can my premiums go up?
Most final expense policies are whole life, so premiums generally stay the same for life. We’ll confirm this for any policy you consider.
Who receives the money?
Your chosen beneficiary receives the benefit and can use it for funeral costs, bills or any other expense.

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