Small coverage. Significant peace of mind.
Final expense insurance (also called burial insurance or funeral insurance) is a type of whole life policy designed to cover end-of-life costs. Coverage amounts typically range from $5,000 to $25,000 — enough to cover funeral expenses, medical bills, and other costs that can burden a grieving family.
Unlike larger life insurance policies, final expense plans are designed specifically for seniors and often feature:
Simplified enrollment
Many plans require only a few health questions — no full medical exam required.
Guaranteed acceptance options
Some plans are available regardless of your health history, though premiums are higher.
Fixed premiums for life
Your premium is locked in when you enroll and never increases, even as you age.
Cash payout to beneficiaries
Your family receives a tax-free lump sum they can use however they need — funeral costs, outstanding bills, or anything else.
Average cost of a funeral in the US, according to the National Funeral Directors Association. A final expense policy ensures your family is protected.
A gift for your family
Many clients describe final expense insurance as one of the most thoughtful things they've done for their family — removing the financial burden from an already difficult time.