Level Benefit
The full benefit is generally available from the start once the policy is active. Eligibility is based on the carrier's health questions and guidelines.
Coverage Made Understandable
Final Expense Life Insurance
Final expense coverage is designed to help your family handle funeral bills and other costs that remain after you pass away.
Get a Free Quote The Basics
A Smaller Policy With a Clear Purpose
Final expense insurance is a form of life insurance often chosen by adults ages 50–85. It can provide money to a beneficiary for funeral costs, medical bills, or other final expenses.
Many plans offer fixed premiums and coverage designed to last for life as long as premiums are paid. Some plans use a simple health questionnaire instead of a medical exam.
Plan Types
Three Common Coverage Options
The right option depends on your age, health, and the carrier's guidelines.
Graded Benefit
The benefit may be limited during the first few policy years for death from natural causes, then become fully available after that period.
Guaranteed Issue
There are no health questions, but coverage usually includes a waiting period for natural causes. This can be an option when other plans are not available.
Coverage is not guaranteed. A licensed agent can explain which options may be available based on your individual situation.