The average funeral
costs $7,000–$12,000.
Final expense insurance is a permanent whole life policy with a modest death benefit — typically $5,000 to $35,000 — specifically designed to cover end-of-life costs. Unlike term insurance, it never expires and the premium never changes.
Most applicants qualify with just a few health questions. There's no medical exam, no blood draw, and no waiting weeks for a decision. In many cases, coverage begins the same day.
Funeral & burial costs — casket, burial plot, cremation, or memorial service, fully covered.
Medical bills — outstanding hospital or hospice expenses your family would otherwise carry.
Outstanding debts — credit cards, personal loans, or any balances you leave behind.
A lasting gift — whatever isn't needed for final costs becomes a small, meaningful inheritance.
Locked-in premiums — your rate is set for life on day one. No surprises, ever.
