Final expense insurance
Peace of mind for the people you love
Final expense insurance is a simple, respectful way to help your family with funeral costs, final bills and other expenses — so they can focus on each other.
What it covers
Help with the costs families face
Final expense insurance is a smaller whole life policy designed to help loved ones pay for costs at the end of life. The benefit is paid to your beneficiary, who can use it however it is needed.
- Funeral expensesServices, viewing, transportation and related costs.
- Burial or cremationPlot, casket, urn, headstone or cremation fees.
- Medical billsFinal hospital or care costs not covered elsewhere.
- Outstanding debtsCredit cards, loans and other bills.
- Money for loved onesAnything left over can help your family.
Underwriting
Simplified underwriting, explained
Health questions instead of an exam
Many final expense policies use a short health questionnaire and database checks rather than a medical exam.
Options for different health histories
Some plans offer full coverage from day one for qualifying applicants. Others use a graded or modified benefit for the first years.
Guaranteed-acceptance plans
Some carriers offer plans without health questions for certain ages, usually with a limited benefit in the first two to three years.
Good to know: approval, pricing and benefit type are decided by the insurance company based on your answers. We compare carriers so you can see which options may fit your situation — without any promise of approval.
FAQ
Common questions
Do I need a medical exam?
Most final expense plans do not require an exam; they use health questions and database checks. Requirements vary by carrier.
Will my premium go up?
Final expense policies are typically whole life with premiums that stay level for life. Confirm in the policy you choose.
What is a graded benefit?
A graded or modified plan pays a limited benefit (often a return of premiums plus interest) if death from natural causes occurs in the first two or three years, then the full benefit after that. Accidental death is often covered in full from the start.
How much coverage should I get?
Many people choose enough to cover a funeral plus any bills they would leave behind. We can help you pick an amount that fits your budget.