Nothing left for them to carry.
Final expense insurance is a smaller whole life policy built to cover funeral costs, medical bills, and other final expenses, so your family can grieve without a financial burden.
Coverage that never expires.
Final expense is whole life insurance with a smaller benefit, usually from about $5,000 to $50,000, sized to cover a funeral, burial or cremation, and any bills left behind.
Your premium is locked in for life and your coverage never expires, as long as premiums are paid. The policy also builds a small amount of cash value over time.
Most plans ask a few health questions over the phone, with no medical exam. If your health makes approval harder, there are also guaranteed-acceptance options, though those usually come with a waiting period before the full benefit is paid.
Who it's for- Adults roughly 50 to 85 who want lifetime coverage
- Retirees on a fixed income who need a predictable premium
- Anyone who doesn't want their children paying for their funeral
- People with health conditions who were turned down before
Simple, permanent, affordable.
I compare final expense plans from multiple carriers to find the best price for your age and health.
Lifetime coverage
Whole life protection that never expires as long as premiums are paid.
Premiums never increase
Your price is locked in the day your policy is issued.
No medical exam
Most plans ask a few health questions over the phone instead.
Fast payouts
Benefits are paid directly to your beneficiary to cover costs quickly.
Builds cash value
A portion of your premium builds cash value you can borrow against.
Options for every health
Simplified-issue and guaranteed-acceptance plans for different health situations.
Trusted names. One agent comparing them for you.
- TransamericaAppointed carrier
- Mutual of OmahaAppointed carrier
- AmericoAppointed carrier
- And moreCompared on every quote
Common questions.
How much final expense coverage do I need?
Most people choose enough to cover a funeral or cremation plus any final bills. We'll look at what services you want and any debts, then pick an amount that fits your budget.
Is there a waiting period?
With many simplified-issue plans, full coverage starts on day one. Guaranteed-acceptance plans typically have a waiting period, often two years, before the full benefit is paid for a natural death. I'll always tell you which kind you're getting.
Will my premium go up as I get older?
No. Final expense is whole life insurance, so your premium is locked in for life once the policy is issued.
Can I get coverage if I have health problems?
Usually, yes. Carriers look at health differently, and there are guaranteed-acceptance options with no health questions at all.
