Do I need a medical exam?

Often no. Many final expense policies use simple health questions instead of a full exam.

How much coverage should I get?

Enough to cover funeral, burial, and any small remaining debts — commonly $10,000–$20,000. We'll help you estimate.

Can my family use the money for anything?

Yes. The benefit is paid to your beneficiary, who can use it for funeral costs or anything else.

Life Insurance

Final Expense

Final expense insurance is a smaller permanent life policy designed to cover funeral, burial, and other end-of-life costs — so your family isn't left with the bill.

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Coverage amounts are modest (often $5,000–$25,000), premiums are predictable, and qualifying is usually simpler than for larger policies — often with no medical exam.

How it works

You choose a coverage amount meant to match funeral and final costs. Premiums are level, coverage is permanent, and the benefit is paid directly to your beneficiary to use however they need.

Who it's often for

Seniors who want to make sure final costs are covered without burdening family, and people who may not qualify easily for larger medically-underwritten policies.

Things to consider

Final expense is not meant to replace income — it's focused on end-of-life costs. We help you confirm the amount fits your actual needs.

Frequently asked

Explore other options

Term Life

Term life covers you for a set number of years at a lower cost. We explain how it works, who it fits, and what to watch for.

Whole Life

Whole life offers lifelong coverage and may build cash value over time. We explain the tradeoffs versus term.

Cash Value

Permanent life insurance can build cash value you may access during your lifetime. We explain how it works and the tradeoffs.

For Seniors

Life insurance options for seniors, including final expense and simplified-issue coverage. Honest guidance, no pressure.

For Families

Life insurance helps protect your family's income, home, and future. We help you find the right amount and type.

Life insurance products are subject to underwriting. Approval, premium, and benefits depend on age, health, and other factors.

Some permanent life insurance policies may build cash value. Policy loans may reduce the death benefit and create costs. This may not be right for everyone.