Final Expense Insurance
Nobody wants their family choosing between a funeral and the bills. Some companies ask a few health questions and some ask none, so we find the ones that fit your health and explain the amounts and any waiting periods, in English or Spanish, with no pressure. Call or text and a real person will walk you and your family through it.
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Who It's For
Is Final Expense Right for You?
- Adults in their 50s to 80s
- People who want to spare their family the cost of a funeral
- Those who may not qualify for larger policies
Good to Know
Before You Buy
Final expense coverage is built to be easy to get, but the benefit amount and waiting period still matter. We go through each with you before you apply.
- Several companies. We compare several companies and explain your options in plain English or Spanish.
- Funeral costs. The National Funeral Directors Association put the median cost of a funeral with viewing and burial at $8,300 in 2023.
- Health questions. Many final expense policies use a few health questions instead of a medical exam.
- Waiting period. Some policies have a waiting period, often two years, before the full benefit is paid for death from illness.
- Level premiums. Premiums generally stay the same, and coverage doesn't expire as long as premiums are paid.
- Beneficiary. Name someone you trust to handle the arrangements. The benefit is paid to your beneficiary, who can use it for the funeral and other bills.
Pair It With
Gaps to Check With Final Expense
Final expense covers funeral costs and final bills. These are the gaps we check for when we talk with you.
Still Have a Mortgage or Kids at Home?
Term life covers bigger needs, like income and debts, for a set number of years.
The House Payment Doesn't Stop
Mortgage protection is sized to what you owe so your family can keep the home.
Want Coverage That Lasts Your Whole Life?
Permanent life is designed to last your lifetime and build cash value over time.
Is Your Home Insured to Rebuild?
Many homes are insured for what was paid, not what it would cost to rebuild today. We check that first.
State Minimum Auto Limits Rarely Cover a Serious Accident
Anything over your limits can come back to you. We show you what higher limits cost.
A Lawsuit Can Be Bigger Than Your Limits
A serious accident or a guest hurt at your home can lead to a claim above your limits. An umbrella adds protection on top of your home and auto.
More Life Insurance
Other Life Options
Compare Final Expense Options.
Final approval and pricing are set by the insurance company after you apply.