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Final Expense

Final expense insurance, also commonly called funeral or burial insurance, is a type of whole life insurance that can provide coverage for final expenses, such as funerals, memorial services, medical debts, and more.

How Does Final Expense Work?

If for some reason you are not able to get a traditional life insurance policy, there’s a good chance you’ll be able to get a final expense policy as these policies are available to those in poor health who may be viewed as too high of a risk for other insurance policies.

Applying for a final expense policy is quite simple too. While traditional life insurance policies may require that you have a medical exam, a final expense policy may only ask that you answer a simple questionnaire and provide your prescription drug history.

The death benefit for these policies may also be smaller than that of other policies, but they can range anywhere between $2,000 and $50,000. Your beneficiaries are guaranteed this death benefit amount for as long as you continue to pay your premiums (which never increase). Paying your premiums will keep your policy active and once you pass, the death benefit will be distributed to your beneficiaries.

While most beneficiaries use the death benefit to cover funeral expenses or medical debts, the death benefit can technically be used for anything, such as bills or even put towards a vacation.

Who Is Final Expense For?

Overall, final expense insurance is targeted towards those who are not able to get a traditional life insurance policy.

Having this type of policy in place is great because even though it provides a smaller death benefit to your beneficiaries compared to other life insurance policies, it still provides some financial relief during a time of grief.

As mentioned before, the death benefit can be used to pay towards your funeral expenses or any medical bills that were accrued. With a final expense policy in place, you can ensure that your loved ones won’t be paying these costs out-of-pocket.



Many Americans believe Social Security will pay for their final expense needs. However, the government only pays a lump sum of $255 for those who qualify.

Don't leave behind funeral expenses.

  • Medical debts
  • Financial debt
  • Legal debts

leave behind

  • Good memories
  • Inheritances

We specialize in life insurance and can help you compare all your options to help you find the best policy that meets your coverage and budget needs.


Funeral Cost Estimates

  • Professional services, embalming, visitation, etc... $7640
  • Metal casket... 2500
  • Burial vault... $1500

Cemetery Cost Estimates

  • Cemetery plot... $400
  • Monument... $500
  • Opening and closing of the grave (varies by cemetery)... $300
  • Graveside service fee... $200


Other Possible Final Expenses

  • May include immediate household expenses, car loans, and loss of income

When you’re planning for your family’s future it’s important consider at what age you start saving money , Taxes , Inflation and Market volatility, We are here to help you how to avoid it.

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