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    Product Guide

    Final Expense & Burial Insurance

    Final expense insurance — also known as burial insurance or funeral insurance — is a small whole life policy designed to cover end-of-life costs so your family doesn't bear the financial burden during an already difficult time. Most policies issue with no medical exam, just a few health questions.

    What does final expense insurance cover?

    Funeral & burial costs

    Services, cemetery charges, and arrangements vary. Use an itemized local estimate to decide how much coverage would help your family.

    Outstanding medical bills

    Unpaid medical debt doesn't disappear — it can fall on your loved ones. Coverage helps settle those balances.

    Credit card & personal debt

    Any remaining debts — credit cards, personal loans — can be paid off to protect your family's finances.

    Legal & probate fees

    Estate settlement, probate costs, and legal fees can add up quickly.

    A final gift

    Leave a small inheritance or donation to a charity or loved one you care about.

    Why choose final expense insurance?

    • •No medical exam is available on some policies — health questions may apply
    • •Coverage typically ranges from $5,000 to $35,000
    • •Premiums typically stay level for life on whole life policies
    • •Acceptance is easier, even for seniors with health conditions
    • •Claims are often paid quickly once paperwork is complete; timing varies by carrier
    • •The death benefit is generally income-tax-free for your beneficiary

    Coverage for your circumstances

    Explore relevant duties, health history and household needs. A guide is not a promise that this product is available to you.

    Substance use recoveryDUI historyCriminal record or felony historyBipolar disorderSchizophreniaEpilepsy and seizuresMultiple sclerosisLupusRheumatoid arthritisCrohn's disease and ulcerative colitisHepatitis CCirrhosis and liver diseaseNeuropathyAmputationWheelchair use and limited mobilityHome oxygen useNursing home and home health careDialysisAneurysmPacemaker or defibrillatorFirefightersRetireesSingle Adults
    All health & underwriting guidesAll occupation & life-stage guides

    Why work with an independent agent?

    A captive agent usually represents one company. Our network includes 20+ top-rated carriers, with available options depending on your state and profile. We help compare quotes for coverage and underwriting fit at no cost for comparison, without guaranteeing approval or the lowest price. Policy premiums apply.

    Licensed Agent vs. captive agent — the full breakdown

    For married couples, Social Security income protection uses the same kind of ordinary life insurance for a different goal: replacing a lost Social Security check, much like mortgage protection covers a home loan.

    Frequently asked questions

    Give your family peace of mind.

    Request free quotes. A licensed agent will compare your options with no obligation.

    Get Your Free Final Expense Quote

    What else should you know?

    What does a waiting period mean?

    Some policies pay a limited benefit for certain deaths during an initial period instead of the full face amount. Accidental-death treatment and refund provisions can differ, so compare the specific benefit schedule.

    When might saving be better than a new policy?

    Saving may be worth considering when existing resources cover the need or insurance payments are not sustainable. Compare the possibility of an early death, benefit restrictions, and the long-term cost before deciding.

    Are burial and final expense insurance different?

    The names usually refer to small whole life policies intended for end-of-life needs. Read the actual contract rather than assuming the name tells you its health requirements or waiting period.

    How much should I set aside for burial coverage?

    Use itemized estimates for your chosen arrangements, then include other bills you want covered. Subtract reserved funds; coverage amounts in a calculator are not local funeral prices.

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