Peace of mind for your family
Cover your final costs so your loved ones don't have to.
Final expense insurance is affordable whole life coverage designed to pay for funeral costs, medical bills, and other end-of-life expenses—typically $5,000 to $25,000.
No medical exam required for most applicants. Coverage is permanent and premiums are fixed for life.
Talk to an insurance guide
Licensed pros walk you through quotes, discounts, and next steps in minutes.
Final Expense Explained
What is final expense insurance?
Final expense insurance (also called burial insurance or funeral insurance) is a type of whole life insurance with smaller death benefits—typically $5,000 to $25,000—designed to cover the costs your family faces when you pass away. This includes funeral and burial expenses, outstanding medical bills, credit card debts, and other final obligations.
Like other whole life insurance, final expense coverage is permanent (it never expires), premiums are fixed (they never increase), and there's often a small cash value component. But unlike traditional whole life, final expense policies are designed to be easy to qualify for—most don't require a medical exam, and acceptance is based on answering health questions on the application.
The average funeral in the U.S. costs $7,000-$12,000, and that doesn't include cemetery plots, headstones, or the reception. Without insurance, your family may need to pay these costs out of pocket, potentially within days of your passing. Final expense insurance ensures these funds are available quickly, usually within 24-48 hours of claim approval.
How it works
Getting life insurance is easier than you think
Whether you're a first-time buyer or reviewing your coverage, we make it simple to protect your family.
Step 1
Answer simple health questions
No medical exam needed for most applicants. Answer a few questions about your health to determine eligibility and rates.
No exam required
Step 2
Choose your coverage amount
Select coverage from $5,000 to $25,000 based on your estimated final expenses. See your locked-in premium immediately.
Instant quotes
Step 3
Get covered quickly
Most applications are approved within days. Your permanent coverage begins immediately, giving you and your family peace of mind.
Fast approval
Key decisions
What you need to know
Understand the important factors when choosing final expense insurance.
No medical exam required
Most final expense policies are simplified issue or guaranteed issue—approval is based on health questions, not medical exams.
Premiums that never increase
Lock in your rate when you apply. Your premium stays the same for life, making budgeting easy on fixed incomes.
Coverage that never expires
Unlike term life, final expense insurance is permanent. As long as you pay premiums, your coverage remains in force.
Fast claim payment
Benefits are typically paid within 24-48 hours of claim approval, ensuring your family has funds when they need them most.
Guided help
Guidance for life's biggest decisions
Life insurance decisions affect your family for years to come. Our licensed agents take the time to understand your situation and help you make the right choice.
- Help estimating your total final expense needs
- Comparison of simplified issue vs. guaranteed issue options
- Guidance on naming beneficiaries and avoiding probate
- Support for families of seniors with health conditions
Ready to get started? We're here to help.
How much coverage do you need?
The average funeral costs $7,000-$12,000, but total final expenses often include: outstanding medical bills, credit card debt, remaining mortgage balance, legal fees, and memorial travel costs for family. A final expense policy of $10,000-$25,000 covers most needs. Consider your specific debts and whether your family would need additional support.
Life insurance at every stage
50-64
Excellent time to lock in low rates before health changes. Simplified issue policies are easy to qualify for. Consider slightly higher coverage ($15,000-$25,000) for additional debts and expenses.
65-74
Most popular age range for final expense purchases. Rates are still affordable for most health conditions. Focus on covering funeral costs plus any outstanding debts.
75-85
Guaranteed issue policies are available with no health questions for those with serious conditions. Coverage amounts may be limited. Some policies have a 2-year waiting period for full benefits.
Questions?
Common questions about final expense insurance
What's the difference between final expense and regular life insurance?
+
Final expense is a type of whole life insurance with smaller death benefits ($5,000-$25,000) designed specifically for end-of-life costs. It's easier to qualify for (no medical exam), has lower premiums due to smaller coverage amounts, and is targeted at seniors who may not qualify for traditional life insurance.
Can I get final expense insurance if I have health problems?
+
Yes. Simplified issue policies accept applicants with many common health conditions like diabetes, heart disease, and cancer in remission. Guaranteed issue policies accept everyone regardless of health—no questions asked—though they may have a 2-year waiting period before full benefits apply.
How quickly do beneficiaries receive the death benefit?
+
Most final expense claims are paid within 24-48 hours of receiving the death certificate and claim form. This fast payment ensures your family has funds available immediately for funeral expenses and other urgent costs.
Is final expense insurance the same as burial insurance?
+
Yes. Final expense insurance, burial insurance, and funeral insurance are all names for the same product: small whole life policies designed to cover end-of-life costs. The death benefit can be used for any purpose—funeral costs, medical bills, debts, or anything your family needs.
Final Expense Insurance guides and resources
Dive deeper into final expense insurance topics with our expert guides and comparisons.
Final Expense Insurance in 2026
Final expense insurance premiums surged 16% in 2024. Learn about coverage amounts, simplified underwriting, costs by age, and how to get approved in minutes.
Read moreBest Time to Buy Life Insurance in 2026
Rates rise 8-10% yearly after 40. Learn why 2026 market conditions, conversion options, and your current health make now the perfect time to lock in coverage.
Read moreLife Insurance for Millennials in 2026
Life insurance for millennials costs less than you think—$20-30/month for $250K coverage. Learn about digital buying, living benefits, and wealth protection.
Read moreTerm Life Insurance in 2026
Term life insurance is more affordable than ever in 2026. Learn about 10/20/30-year terms, no-exam policies up to $10M, and why economic conditions favor buyers.
Read moreNo-Exam Life Insurance in 2026
Get life insurance without a medical exam in 2026. Instant decisions, coverage up to $5 million, and approval in 24 hours using data-driven underwriting.
Read moreWhole Life Insurance in 2026
Whole life insurance holds 36% of the market. Learn how 2026 dividend rates, guaranteed cash value growth, and interest rate changes affect your coverage.
Read moreReady to protect your family with final expense insurance?
Get personalized quotes in minutes. Our licensed agents are here to help you find the right coverage.
Explore other life insurance options
Compare different types of life insurance to find what works best for your situation.
Whole Life Insurance
Larger permanent policies with cash value accumulation for those who qualify.
Term Life Insurance
Affordable temporary coverage if you need more than $25,000 in death benefit.
Medicare Supplement
Fill gaps in Medicare coverage and reduce out-of-pocket medical costs.