Home
Business Insurance General Liability Business Owner's Policy Commercial Property Workers' Compensation Commercial Auto Professional Liability (E&O) Medical Malpractice Cyber Liability Commercial Umbrella / Excess Inland Marine (Tools & Equipment) Employment Practices Liability Builders Risk Liquor Liability Business Interruption Pollution Liability Ocean Marine Directors & Officers (D&O) Nonprofit Organization Insurance Surety Bonds Garagekeeper's Legal Liability
Industries Plumbers Electricians Roofers General Contractors Landscapers HVAC Contractors Doctors' Offices Dentists Home Healthcare Hospice Care Chiropractors Veterinary Clinics Restaurants Food Trucks Bars & Breweries Motels & Hotels Gas Stations & C-Stores Coffee Shops & Cafes Architects Accountants Law Firms Real Estate Agents Consultants IT & Tech Services Retail Stores Salons & Spas Auto Repair Shops Apartment Buildings Rental Property Childcare & Daycare Self-Storage Facilities Strip Malls Single-Tenant Buildings
Personal Insurance Auto Motorcycle & RV Boat / Jetski Collector Car Motor Home Homeowners Condo Rentals Manufactured & Mobile Home Umbrella Flood & Earthquake
Life Insurance Term Life Whole Life Universal Life Final Expense
FAQ About Get a quote
Text Us Get a Quote
Life Insurance

Final Expense Insurance

A smaller policy sized specifically to cover funeral and end-of-life costs, so a death doesn't immediately become a financial emergency for whoever's left handling it.

Get a quote for Final Expense

What it covers

  • Funeral, burial, or cremation costs
  • A relatively small, fixed death benefit, commonly $5,000 to $25,000
  • Simplified underwriting, often without a medical exam
  • Fast claim payout when families need funds quickly

What it doesn't cover

  • Large financial needs like mortgage payoff or income replacement (that's Term or Whole Life)
  • Coverage amounts beyond the policy's modest, stated limit
  • Immediate full payout in rare policies with a graded death benefit during the first two years

Who needs this

Older adults or anyone wanting to make sure funeral costs don't fall on their family, especially those who may not qualify for or want a larger traditional life policy.

From our horror stories

The Funeral Bill Nobody Was Ready For

A family covers funeral costs on credit cards because no one had set aside coverage specifically for end-of-life expenses.

Read the full story →
Common questions

Final Expense Insurance FAQ

Do I need a medical exam for this?

Often no. Final expense policies commonly use simplified or guaranteed issue underwriting, making them accessible even for older applicants or those with health conditions.

How much coverage do I actually need?

Enough to cover funeral and burial costs, commonly $10,000 to $15,000, though costs vary by region and preferences. We'll help you land on a realistic number.

Is this the same as whole life?

Similar in that it's permanent coverage, but final expense policies are smaller and specifically designed around end-of-life costs rather than broader financial planning.

Related coverage