Final Expense & Burial Insurance.

Final expense insurance, also known as burial or funeral insurance, is a type of whole life insurance designed to cover the costs associated with a person’s end-of-life expenses. These costs can include funeral services, burial or cremation fees, medical bills, and any remaining debts. The goal is to ease the financial burden on loved ones during an already difficult time, ensuring they don’t have to worry about unexpected expenses while grieving.

Unlike traditional life insurance, final expense policies usually have smaller coverage amounts—typically ranging from $5,000 to $25,000—but are easier to qualify for. Many policies don’t require a medical exam, making them ideal for older adults or those with health issues. Premiums are generally affordable and remain the same for life, while the coverage never decreases.

Having a final expense policy provides peace of mind knowing that your family won’t struggle financially to pay for your funeral or other last expenses. It allows your loved ones to focus on celebrating your life instead of worrying about money. It’s a practical and compassionate way to plan ahead, showing care and responsibility for those you leave behind, and ensuring your final wishes are respected without creating a financial hardship.