Final expense insurance: protect your family from end-of-life costs
A funeral in the US costs between $8,000 and $15,000 on average. Final expense insurance gives your family the funds to cover those costs without touching savings, going into debt, or burdening relatives.
What final expense insurance covers
Funeral and burial
Funeral home services, casket or cremation, burial plot, and related costs.
Medical bills
Outstanding medical expenses from a final illness that insurance did not cover.
Outstanding debts
Credit card balances, personal loans, or other debts that would otherwise fall to family.
Household expenses
Help surviving family members cover rent, utilities, or groceries during a difficult time.
Simple approval process
Most final expense policies do not require a medical exam. Carriers ask a few health questions to determine which plan type you qualify for. Even applicants with serious health conditions can often get coverage through a graded or guaranteed issue policy.
An agent will review your information and compare available carrier options to help determine which products may best meet your needs. Applications can then be submitted on your behalf, subject to carrier underwriting review and approval.
Simple approval
24–48h
No medical exam required for most eligible applicants.
Final expense FAQ
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