FINAL EXPENSE &
BURIAL INSURANCE

What Is Final Expense Insurance?

Final expense insurance is a type of life insurance commonly purchased to help loved ones pay expenses after a death. A policy's death benefit may help cover funeral services, burial costs, cremation, outstanding bills, and other final expenses.

Burial insurance and funeral insurance are common terms used for final expense life insurance. These policies generally offer smaller coverage amounts than traditional large life insurance policies.

Compare Burial Insurance Coverage Options

Burial insurance coverage can help reduce the financial burden on surviving family members. Available coverage amounts, premiums, and eligibility depend on the insurance company, applicant, and state.

Working with an independent insurance broker allows you to review available final expense insurance plans and compare coverage options based on your needs and budget.

Final Expense Insurance for Seniors

Many adults explore final expense insurance as they approach retirement or later in life. Coverage can help provide money for funeral arrangements, burial expenses, and other financial obligations.

Some final expense insurance plans offer simplified-issue underwriting, while others offer guaranteed-issue underwriting. Medical exams, health questions, waiting periods, and benefit limitations depend on the policy.

Final Expense Insurance — Common Questions

Can burial insurance help pay funeral costs?

Yes. Beneficiaries can generally use life insurance death benefits toward funeral, burial, cremation, and other expenses, subject to the policy terms.

Is a medical exam required for final expense insurance?

Some final expense insurance policies do not require a medical exam. Health questions, eligibility, and underwriting requirements vary by insurance company and plan.

How much does final expense insurance cost?

Final expense insurance premiums depend on factors such as age, health, coverage amount, state, and policy type. Request a quote to compare available options.

Is burial insurance the same as final expense insurance?

The terms burial insurance, funeral insurance, and final expense insurance are often used interchangeably. They commonly refer to smaller life insurance policies intended to help families with end-of-life expenses.