Burial Insurance / Final Expense
Final Expense Insurance Explained
Final Expense Insurance, also known as Burial Insurance, is a permanent life insurance policy designed to provide peace of mind by helping cover end-of-life expenses. This policy ensures your loved ones won’t be financially burdened with funeral costs, medical bills, or other outstanding debts when you pass away.
With an affordable, locked-in premium and no medical exam required, Final Expense Insurance is a simple way to secure financial protection for your family.
About the Coverage
Choose a coverage amount between $5,000 - $40,000
Available to individuals ages 40-85 (varies by insurer)
Whole life insurance – coverage remains active as long as premiums are paid
The death benefit is typically used for burial expenses but can also help cover:
Funeral services
Medical bills
Credit card debt
Legal expenses
Any other financial obligations
Final Expense Insurance provides a straightforward, stress-free solution to help ensure your family has the funds they need.
Death Benefit Payout
The death benefit is paid in a lump sum to your beneficiary, providing immediate access to funds.
Your beneficiary can use the payout for any purpose – there are no restrictions on how the money is spent.
Unlike pre-paid funeral plans, Final Expense Insurance is flexible – allowing your loved ones to make financial decisions that best suit their needs.
No Medical Exam Required – Easy Approval Process
No medical exams, blood tests, or lab work required – unlike traditional life insurance.
Just answer a few health questions to determine eligibility.
Many applicants receive fast approval within minutes.
Even if you have health conditions, you may still qualify for coverage through options that do not require health questions.
Locked-In Premiums – Your Rate Will Not Increase
Predictable costs – your monthly premium will not change over time.
Unlike term life insurance, Final Expense policies do not expire as long as premiums are paid.Budget-friendly options – policies start at affordable rates, making it easier to fit into your financial plan.
Tax-Free Benefits for Your Loved Ones
100% income tax-free death benefit – your family receives the full payout amount without IRS deductions.
Instant liquidity – the benefit is not tied to an estate and does not go through probate.
Quick claims processing – many policies pay out in days, so your family gets the funds quickly.
Who May Benefit from Final Expense Insurance?
Seniors looking for affordable permanent coverage
Anyone who wants to help ensure their loved ones aren’t burdened with final expenses
Individuals with limited savings or no life insurance in place
People seeking a simple alternative to pre-paid funeral plans
Even if you already have life insurance, a Final Expense policy can provide immediate funds to help cover funeral costs while waiting for larger policies to pay out.
