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Final expense insurance

Final expense insurance helps pay for funeral costs and final bills, so your family doesn't have to. Many plans do not require a medical exam. Age limits and eligibility vary by insurer and state.

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Older couple smiling together at home
50–85
Common age range
$5K–$40K
Coverage
No exam
Simple questions

Your family decides how to use it

The benefit is paid directly to the person you choose. They can use it for anything, including:

Funeral or cremation
Service, casket or urn, and funeral home fees.
Burial costs
Plot, headstone and opening and closing the grave.
Final medical bills
Hospital, hospice or care costs left behind.
Debts and everyday bills
Credit cards, utilities or anything else.
NEW TO FINAL EXPENSE?

What it is, in plain words

Final expense insurance is a small life insurance policy. When you pass away, it pays a set amount of money to the person you choose, so they can pay for your funeral and any bills you leave behind.

Spare your family a hard bill
Funerals often cost thousands of dollars, usually due within days. This money helps your family pay without dipping into savings or borrowing.
The price stays the same
With most plans, the monthly payment is set when you buy and never goes up, even as you get older.
No doctor visit needed
Instead of a medical exam, you answer a few health questions over the phone.
Coverage that lasts
It is a type of whole life insurance, so it does not expire as long as you keep paying.
Final expenseTraditional life insurance
Typical coverage$5,000–$40,000$100,000 or more
Main purposeFuneral and final billsReplace income for a family
Medical examUsually not requiredOften required
Typical ages50–8518–65
How long it lastsFor lifeOften 10–30 years (term)
It may be a good fit if you…
✓Want to cover your own funeral and final bills
✓Don’t want your children to pay out of pocket
✓Prefer simple health questions over a medical exam
✓Want a monthly price that never changes
You may not need it if you…
–Already have enough savings set aside for final costs
–Have a life insurance policy that already covers these costs
–Have prepaid your funeral arrangements in full
Still not sure? A licensed agent can answer your questions. There's no obligation.
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Published funeral cost medians (2023)

Funeral home charges alone often run several thousand dollars. Cemetery costs like a plot, headstone and opening the grave are extra.

Source: National Funeral Directors Association, 2023 General Price List Study, national medians. Prices in your area may be higher or lower.

Funeral with viewing and burial$8,300
Same funeral with a burial vault$9,995
Funeral with viewing and cremation$6,280

What affects your premium

Age, health, tobacco use, coverage amount, benefit limitations and the insurer affect the price. No verified premium quotes are available on this site.

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Three simple steps

1
Call us
When referral services are active, a licensed agent can discuss available plans.
2
Answer a few questions
Applications may include health questions and insurer review. Requirements vary.
3
Choose your plan
Pick an amount and a monthly payment that fit. Or decide not to.
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Compare final expense benefit types

Your answers to a few health questions decide which type of plan you qualify for.

Level benefit
For people in fair to good health
Full benefits may begin when coverage takes effect, subject to exclusions, contestability and policy terms.
Graded benefit
For some health conditions
Partial coverage for natural-cause death in the first years, then full coverage.
Guaranteed acceptance
For serious health conditions
Generally no health questions, but age, state and other eligibility limits apply. Initial natural-cause death benefits are limited.

Graded and guaranteed plans typically pay a limited benefit, often a return of premiums plus interest, if death from natural causes occurs in the first two to three years. Accidental death is usually covered in full from day one. Details vary by carrier.

Adult daughter talking with her mother at the kitchen table

Looking into coverage for a parent?

Many families start the conversation together. Your parent needs to be part of the call: they answer the health questions and must agree to the policy. You can be on the line to help, and you can pay the premium if you choose.

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Common questions

It is a small whole life insurance policy, usually $5,000 to $40,000, designed to cover funeral costs and final bills. Coverage lasts for life as long as premiums are paid.

How much coverage do I need? →

Give your family peace of mind.

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Final expense insurance is a type of whole life insurance. Coverage amounts, eligibility, waiting periods and benefits vary by carrier and state, and not all plans are available everywhere. Insumerica does not sell insurance; contact and referral services are not active on this version.