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Final Expense Insurance

Burial and funeral coverage for seniors

Affordable final expense plans designed for seniors. Free, no-obligation quotes.

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What's included

  • Coverage $2,000–$50,000
  • No medical exam options
  • Rates locked in for life
  • Ages 50–85 eligible
$280
Average customer savings

What's included

Everything you need from final expense coverage

Coverage $2,000–$50,000

No medical exam options

Rates locked in for life

Ages 50–85 eligible

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The average funeral in the United States costs between $8,000 and $12,000 — a financial burden that can fall on grieving family members if you're not prepared. Final expense insurance, also called burial insurance, is a type of whole life insurance designed specifically to cover end-of-life costs including funeral, burial, medical bills, and other final expenses. Coverage is available for seniors ages 50–85 with no medical exam required.

What is Final Expense Insurance?

Final expense insurance is a small whole life insurance policy — typically ranging from $2,000 to $50,000 in coverage — designed to cover funeral and burial costs, outstanding medical bills, credit card debt, and other end-of-life expenses. Because it's whole life insurance, your premiums never increase, your coverage never expires, and the policy builds a small amount of cash value over time. It's one of the easiest types of life insurance to qualify for, with most plans requiring only a few health questions and no medical exam.

Who Qualifies for Final Expense Insurance?

Final expense insurance is designed to be accessible to seniors who may not qualify for traditional life insurance due to age or health conditions. Most plans are available to applicants ages 50–85. Guaranteed issue plans accept anyone in the age range with no health questions asked — ideal for those with serious health conditions. Simplified issue plans ask a few health questions and may offer better rates for healthier applicants. Even if you have diabetes, COPD, heart disease, or other conditions, there are final expense plans designed for you.

How Much Does Final Expense Insurance Cost?

Premiums for final expense insurance vary based on your age, gender, health, and the coverage amount you choose. As a general guide, a healthy 65-year-old woman might pay $40–$60/month for $10,000 in coverage, while a 75-year-old man in average health might pay $80–$120/month for the same amount. Rates are locked in when you apply and will never increase for the life of the policy.

Guaranteed Issue vs. Simplified Issue

Guaranteed issue final expense insurance accepts all applicants in the eligible age range with zero health questions. These policies typically have a 2-year graded benefit period — meaning if you pass away within the first 2 years of the policy, your beneficiary receives a return of premiums plus interest rather than the full death benefit. Simplified issue plans ask health questions but offer better rates and often provide full immediate benefits from day one. Most healthy applicants qualify for simplified issue.

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