Final expense insurance: peace of mind for the people you love.
A small whole life policy that helps your family pay for a funeral and final bills, so they can focus on each other.
What it helps pay for
The money goes straight to the person you choose, and they decide how to use it.
- Funeral and burial
- Cremation
- Medical bills
- Credit cards and debts
- Travel for family
- Any final costs
How it works
- 1 Choose an amount Pick the coverage that fits your plans and budget, typically [$5,000 – $50,000].
- 2 Answer a few questions Many policies only ask some health questions over the phone, with no medical exam.
- 3 Coverage that lasts Whole life coverage doesn’t expire as long as premiums are paid, and the rate is set when you buy.
Coverage for different health situations
Depending on your health, a policy may pay the full benefit right away or phase it in over the first few years. Details vary by insurance company, and we’ll explain exactly what applies to you.
Common questions
Is final expense insurance part of Medicare?
No. Medicare doesn’t pay for funerals or burial. Final expense is a separate life insurance policy.
Who can apply?
Most companies accept applicants roughly [ages 50 to 85]. Ages and rules vary by company and state.
Will my premium go up?
With whole life final expense policies, your premium is generally set when you buy and stays the same.
How fast does my family get paid?
Claims are typically paid directly to your beneficiary after the company receives the death certificate and claim form.