Final Expense Life Insurance for Seniors.

Give your family peace of mind by ensuring funeral, burial, and final expenses are covered.

Call 1-800-964-7740 to learn more.

What Is Final Expense, or Burial Insurance and How Does It Work?

Final Expense (Burial insurance), also known as funeral expense insurance or final expense insurance, offers valuable financial support to your loved ones, helping them pay for funeral services, memorials, headstones, urns, and related final costs. Unlike traditional life insurance policies, burial insurance typically provides a smaller, more focused benefit designed specifically to ease the burden of final arrangements. It can also help settle outstanding debts such as medical expenses, credit card balances, mortgages, and personal loans.

Final Expense Life Insurance for Seniors

Final expense insurance is a type of life insurance that helps your family pay for things like your funeral, burial, or other end-of-life costs when you pass away. It gives them money to cover these expenses so they don’t have to worry about finding the money themselves. It’s usually a smaller amount of coverage compared to other insurance, but it’s meant to make things easier for your loved ones during a hard time.

Common Questions Seniors Have About Final Expense Insurance.

  • Does the policy expire?

    No, final expense policies don’t expire like term life insurance policies. Since they are a type of whole life insurance, your coverage remains active for life as long as you continue paying your premiums.

  • Do I have to take a medical exam?

    In most cases, a medical exam isn’t required to qualify because the face amount is typically under $50,000. Coverage is usually issued based on the applicant’s answers to health questions on the application.

  • What features & benefits are included with the policy?

    Depending on the life insurance company, your final expense policy may have added features such as child riders, accidental death and dismemberment, or support benefits for surviving loved ones such as funeral price shopping. Not all policies are the same, so make sure you review the policy’s benefits carefully.

  • How can the death benefit be used?

    The hardest thing we must ever face is the death of a loved one. On top of this, surviving loved ones are often left to handle any end-of-life medical expenses and funeral costs. These expenses can add to the sense of grief and stress surviving friends and family members feel. Final expense life insurance was created to prevent this added pressure.


    Even though final expense insurance focuses on covering funeral costs, the death benefit can be used for anything: medical bills, credit card debt, mortgage payments, etc. How the death benefit is spent is ultimately up to the beneficiary of the life insurance policy.

The Average Funeral

Can Cost Nearly $10,000*

A final expense life insurance policy leaves your loved ones a cash death benefit to cover these expenses, and possibly a lot more.

How Much Final Expense Insurance Do I Need?

Several factors determine how much final expense life insurance coverage is right for you. We recommend reviewing your monthly expenses to estimate the amount you want to leave for your beneficiaries. Consider including the following costs:

Frequently Asked Questions

What does final expense insurance cover?

The death benefit can be used for any purpose, but it is most commonly used to cover funeral, burial, or cremation expenses.

How is final expense insurance different from traditional life insurance?

Final expense insurance is a type of whole life insurance with a smaller benefit amount compared to traditional policies. Its primary focus is covering end-of-life expenses, whereas traditional life insurance is generally designed for income replacement.

How does final expense insurance work?

Final expense insurance works like other life insurance policies. You apply for coverage, the insurer reviews and approves your application, and upon your passing, the death benefit is paid to your primary beneficiary after the claim is approved.

Why should I consider final expense insurance?

Final expense insurance helps ease the financial burden on your loved ones during a difficult time. By covering funeral and other end-of-life expenses, it provides your family with peace of mind and the ability to focus on healing.

What is the maximum age to qualify for final expense insurance?

Eligibility depends on the insurance provider. Most companies offer coverage up to age 85, though some extend coverage beyond that age at higher premium rates.

What happens to any remaining funds from a final expense policy?

The entire death benefit is paid to the primary beneficiary, who can use the funds as they see fit. If you outline your funeral wishes in advance, you can guide your beneficiary on how much to allocate toward final arrangements.

What is the average cost of a final expense insurance policy?

Premiums vary based on factors like age, health, gender, and coverage amount. On average, you can expect to pay $40–$60 per month for a $5,000–$10,000 policy.

Don't Wait. Get Your Final Expense Life Insurance quote today.

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