Nobody likes to plan for this — but it's one of the most meaningful gifts you can give to the people you love.
Final Expense insurance is a type of life insurance designed to help seniors cover end-of-life costs — including funeral expenses, healthcare bills, and other obligations. Without a plan in place, your loved ones will be left responsible for these costs at an already difficult time.
The national median cost for a funeral with burial and vault is close to $9,000. With cremation, it's over $6,000. When you add a cemetery plot, monument, grave marker, flowers, and obituary — the average total easily reaches $15,000 or more. The Social Security death benefit is only $255.
Beyond the funeral itself, there are many other expenses that fall to family members following a death:
Final expense plans are surprisingly affordable. Many people can secure meaningful coverage for as little as $1 a day — less than a cup of coffee. Premiums depend on your age, health, and the coverage amount you choose.
The most important thing is that you have something in place — not for yourself, but for the people who depend on you and love you.
Most final expense plans have simplified underwriting — meaning no medical exam is required. Many people qualify even with pre-existing conditions.
Your premium is locked in when you enroll and will never increase — giving you predictable costs on a fixed retirement income.
Most whole life final expense policies build cash value over time that you can access if needed.
We'll find the most affordable coverage for your situation from our network of top-rated carriers.