Help protect loved ones from funeral and other end-of-life expenses.
Final expense insurance—often called burial insurance—is generally permanent life insurance with a smaller death benefit intended to help with funeral, burial, medical bills, outstanding debt, and other final expenses.
Start with the purpose of the coverage.
People often consider final expense coverage when they want permanent protection focused on a specific end-of-life need, manageable coverage amounts, and a benefit their beneficiaries can use for final costs.
Items to consider
- Estimated funeral and burial or cremation costs
- Other medical bills, debts, or final obligations
- Coverage amount and monthly budget
- Simplified, guaranteed-issue, or other underwriting options
- Waiting periods, graded benefits, and policy guarantees
Questions worth thinking about first.
You do not need to have every answer before requesting a review. These questions help organize the discussion.
Which final expenses would you want the policy to help cover?
How much coverage would give your family a meaningful financial cushion?
Would simplified underwriting or a no-medical-exam option matter to you?
Important: Availability of simplified underwriting, guaranteed issue, no-medical-exam coverage, level premiums, immediate benefits, or graded benefits varies by carrier, policy, age, health, state, and applicant.
Start with a scheduled conversation.
Tell us what you would like to discuss during your consultation. The detailed Insurance Coverage Review form will remain unavailable until its final consent language is approved.