Take the financial burden off the people you love.
Final expense insurance is a smaller whole life policy designed to help your family cover funeral costs, medical bills, and other end-of-life expenses, so they can focus on each other.
A simple policy for a very real need
Funerals, burial or cremation, and final bills can add up quickly. A final expense policy pays a benefit to the person you choose, and they decide how to use it.
Covers final costs
Helps pay for funeral and burial or cremation, medical bills, and other debts, so your family isn’t left to cover them.
Simple to qualify
Many policies ask only a few health questions and don’t require a medical exam. Some options ask none at all.
Paid to your beneficiary
The benefit goes to the person you name, who can use it however they need. Death benefits are generally received income-tax-free.
Which type fits depends on your health
Most final expense policies fall into one of three categories. We help you see which you may qualify for, and what each one means for your family.
The full death benefit is payable from day one. This is usually the lowest-cost option, but it asks health questions and not everyone qualifies.
Pays a limited benefit (often the premiums paid plus interest) if death from natural causes occurs in the first couple of years. The full benefit is paid after that period.
No health questions, so you can’t be turned down for your health. Premiums are typically higher and a waiting period usually applies before the full benefit is paid.
Availability, waiting periods, and terms vary by carrier and state.
Honest about who this fits
- Want to make sure funeral and final costs don’t fall on your family
- Are typically in your 50s to 80s and want simple, permanent coverage
- Have health issues that make traditional life insurance difficult
- Don’t have savings set aside for end-of-life expenses
- Need large coverage to replace income or pay off a mortgage
- Are young and healthy, when a term life or indexed universal life policy might make more sense
A gentle, simple process
Tell us where you are
Share a few details about your goals and situation with our short form or a quick call.
Compare your options
We walk through the choices side by side, including the benefits, limits, and costs, so nothing is a surprise.
Decide on your terms
Take your time. If something fits, we help with the application. If not, you still leave better informed.
Straight answers
How much coverage do I need?
It depends on the funeral or cremation you have in mind and any debts you want covered. We help you estimate a realistic amount, so you aren’t paying for more than you need.
Does the coverage expire?
Final expense insurance is typically permanent (whole life) coverage that stays in force as long as premiums are paid. We confirm the details of any specific policy before you apply.
Will my premium go up?
Most final expense policies are designed with level premiums, but terms vary by carrier. We’ll show you exactly how a policy works before you decide.
What if I have health problems?
There are options for a range of health situations, including policies that ask no health questions. Those typically cost more and may pay a limited benefit in the first few years.
Who receives the money?
The beneficiary you name. They can use it for funeral costs, bills, or anything else they need.
See what you may qualify for
Tell us a little about yourself and we’ll follow up, with no obligation.