Final Expense Insurance
Final expense insurance, sometimes called burial insurance, is a small whole life policy built for one job: making sure the people you leave behind aren't paying for your funeral out of pocket. The average burial in the United States now runs close to $10,000 once a vault and viewing are included, and cremation is not far behind. Most families do not have that sitting in a checking account.
- Coverage from $5,000 to $35,000
- No medical exam required
- Guaranteed acceptance options
- Premiums never increase
- Benefits paid directly to family
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What to know about final expense insurance
Who it's for
Typically adults between 50 and 85 who want a modest, permanent policy that pays quickly and does not require a physical. If you have been turned down elsewhere because of health history, this is usually the product that still works.
How underwriting works
Most final expense policies are simplified issue: a few health questions, no exam, and often a same-day decision. Guaranteed issue policies skip the health questions entirely, in exchange for a graded benefit period in the first couple of years.
What it costs
Premiums generally run $30 to $100 per month depending on your age, your health, and how much coverage you buy. Rates are locked at issue and do not increase as you get older.
What it pays for
The benefit is paid in cash directly to your beneficiary, so it can cover the funeral, outstanding medical bills, credit card balances, or anything else. It is not restricted to funeral costs despite the name.
Final Expense Insurance — Common Questions
Straight answers about final expense insurance, how it's underwritten, and what it costs.
What is final expense insurance?
Final expense insurance (also called burial insurance) is a type of whole life policy designed to cover end-of-life costs such as funeral expenses, medical bills, and outstanding debts. Coverage amounts typically range from $5,000 to $35,000, with affordable monthly premiums and no medical exam required.
How much does final expense insurance cost?
Final expense policies typically range from $30 to $100 per month depending on coverage amount, your age, and your health. Premiums are fixed at issue and never increase for the life of the policy.
Can I get final expense coverage with health problems?
Yes. We specialize in finding coverage for clients with pre-existing conditions. We work with multiple carriers and have access to guaranteed issue policies that don't require any health questions.
How fast can a final expense policy be approved?
Many clients receive same-day approval on final expense and simplified issue policies, because there is no medical exam to schedule and underwriting is limited to a short set of health questions.
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