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Final expense insurance, also known as burial insurance or funeral insurance, is a type of whole life insurance designed to cover end-of-life costs including funeral services, burial or cremation, medical bills, and other outstanding debts. These policies typically range from $5,000 to $25,000 and feature simplified underwriting, making them accessible to seniors and those with health conditions who may not qualify for traditional life insurance.
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Final expense insurance covers funeral and burial costs, cremation, casket, memorial services, outstanding medical bills, credit card debt, and other end-of-life expenses. The death benefit goes to your beneficiary who can use it for any purpose.
Premiums typically range from $30-$70/month depending on age, health, coverage amount, and whether the policy is guaranteed issue or simplified issue. Coverage amounts usually range from $5,000 to $25,000.
Yes. Many final expense policies offer guaranteed acceptance with no medical exam and no health questions. Simplified issue policies ask a few health questions but are still more lenient than traditional life insurance. Guaranteed issue policies may have a graded death benefit (2-3 year waiting period for full benefits).
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