Final expense insurance is designed to cover the costs that come at the end of life — from funeral services and medical bills to credit card debt and legal fees. Protect your family from unexpected financial burdens with affordable coverage starting at just $15 per month.
Final expense insurance is a type of permanent whole life insurance designed to cover the costs associated with the end of your life. While often used interchangeably with "burial insurance" or "funeral insurance," final expense insurance actually covers a broader range of expenses beyond just funeral and burial costs.
A final expense policy typically provides a death benefit ranging from $5,000 to $50,000. This money is paid directly to your named beneficiaries, who can use it for any purpose — including funeral arrangements, outstanding medical bills, credit card debt, mortgage payments, legal fees, and everyday living expenses during the grieving period.
Unlike traditional life insurance, final expense insurance is specifically designed to be accessible and affordable. Most policies do not require a medical exam, and the application process can be completed in just minutes over the phone. Premiums are locked in for life, meaning your rate will never increase regardless of changes to your health or age.
Final expense insurance has become one of the fastest-growing segments of the life insurance industry, with millions of Americans recognizing the importance of planning ahead for end-of-life costs. According to the National Funeral Directors Association, the average cost of a funeral with viewing and burial is $7,848 — and that does not include cemetery costs, flowers, or a headstone. When you factor in all end-of-life expenses, the total can easily exceed $15,000.
While the terms "final expense insurance" and "burial insurance" are often used interchangeably, there are some subtle differences worth understanding:
In practice, whether you purchase a policy labeled "burial insurance" or "final expense insurance," you are getting the same type of coverage: a small whole life policy with a death benefit between $5,000 and $50,000, no medical exam requirement, and premiums that never increase. At Easy Burial Quote, we help you find the right policy regardless of what it is called.
The death benefit from a final expense insurance policy can be used for virtually any purpose. Here are the most common expenses it covers:
Because the death benefit is paid as a lump sum directly to your beneficiaries, there are no restrictions on how the money can be used. Your family has complete flexibility to allocate the funds where they are needed most.
Final expense insurance is one of the most affordable types of life insurance available. Monthly premiums typically range from $15 to $120 depending on your age, gender, health, and coverage amount. Here are some typical monthly premium ranges:
These are approximate ranges — your actual premium will depend on the specific carrier and policy type. Women typically pay 15-20% less than men for the same coverage. Non-smokers also receive significantly lower rates.
By working with Easy Burial Quote, you benefit from our ability to compare rates across multiple A-rated carriers simultaneously. This competitive shopping approach often results in savings of 20-30% compared to buying directly from a single insurance company.
One of the greatest advantages of final expense insurance is how accessible it is. Unlike traditional life insurance policies that require extensive medical underwriting, final expense insurance is designed to be available to almost everyone.
Simplified issue final expense policies require you to answer a short series of health questions — typically 8 to 12 yes-or-no questions. There is no medical exam, no blood work, and no doctor visit required. If you are in reasonably good health, you will qualify for immediate full coverage from day one. Common disqualifying conditions include active cancer treatment, oxygen use, or being in a nursing facility. Most people between ages 50 and 85 qualify for simplified issue.
If you have serious health conditions that prevent you from qualifying for simplified issue coverage, guaranteed acceptance final expense insurance is available. There are absolutely no health questions — everyone who applies between ages 50 and 85 is accepted. The only trade-off is a graded benefit period of two to three years, during which the full death benefit is not available. After the graded period, the full benefit kicks in.
Our agents at Easy Burial Quote will evaluate your health situation and recommend the best policy type for your needs. In many cases, people assume they will not qualify for simplified issue when they actually can — our expertise helps ensure you get the best coverage at the lowest price.
Easy Burial Quote is an independent insurance brokerage, which means we work for you — not for any single insurance company. Here is why thousands of families trust us with their final expense insurance needs:
Call us today at 888-260-EASY (888-260-3279) or fill out the quote form on this page to get started. Protecting your family from the financial burden of end-of-life expenses has never been easier or more affordable.
Common questions about final expense insurance
Final expense insurance is a type of whole life insurance with coverage amounts between $5,000 and $50,000. It is designed to cover funeral costs, medical bills, debts, and other end-of-life expenses. Premiums are affordable and locked in for life.
They are essentially the same product. Both are small whole life insurance policies with no medical exam requirement. The term 'final expense' emphasizes that coverage can be used for any end-of-life cost, not just funeral expenses.
Most people need between $10,000 and $25,000 in final expense coverage. Consider the average funeral cost ($7,848), any outstanding debts, medical bills, and a financial cushion for your family. Our agents can help you determine the right amount.
Yes. Many carriers offer simplified issue final expense insurance to people with well-managed diabetes. If your diabetes is controlled with oral medication, you likely qualify for full immediate coverage. Guaranteed acceptance options are also available.
The entire process typically takes 15-30 minutes over the phone. There is no medical exam or waiting for lab results. Many applicants are approved and covered the same day they apply.
Yes. As a whole life insurance policy, final expense insurance builds cash value over time. You can borrow against this cash value if needed, though doing so will reduce your death benefit.
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