Overview
Final Expense (also called burial insurance) is a small permanent life insurance policy designed to cover funeral, burial, and end-of-life costs so your family isn't left with the bill during an already difficult time.
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Final Expense
Smaller permanent policies designed to cover funeral and end-of-life costs without burdening loved ones.
How it works
Coverage amounts typically range from $5,000 to $50,000. Most policies require only a few health questions — no medical exam. Premiums are level and the policy never expires as long as premiums are paid.
Best for
Seniors (typically 50–85), people with health conditions that make traditional underwriting hard, and anyone who simply wants to make sure their funeral expenses are handled without burdening family.
- $5K–$50K coverage amounts
- Simplified or no medical exam
- Quick approval, lifetime coverage
Things to consider
Cost per dollar of coverage is higher than larger traditional policies. Some 'guaranteed issue' versions have a 2–3 year waiting period before the full death benefit is paid for non-accidental death.