Final Expense Insurance
Help your family cover funeral and end-of-life costs, so they don’t have to.
Have Questions About Final Expense Coverage?
Send Sherri a message and she'll get back to you within one business day.
What Is Final Expense Insurance?
Final expense insurance is a small whole life insurance policy designed to cover funeral costs and other bills left behind. When you pass away, the money goes directly to the person you choose, so your family isn’t left dipping into savings or scrambling to pay for a funeral.
How It Works
Sized for Final Costs
Coverage amounts are smaller than traditional life insurance, chosen to cover a funeral and final bills.
Simple to Apply
Usually just a few health questions and no medical exam.
Premiums Stay the Same
Your rate is locked in and won’t go up as you get older. Coverage lasts your whole life as long as premiums are paid.
Your Family Decides How to Use It
The money is paid directly to your beneficiary. They can use it for the funeral, medical bills, or anything else.
Good to Know
How much does a funeral cost?
According to the National Funeral Directors Association, the median cost of a funeral with a viewing and burial was $8,300 in 2023, and about $6,280 with cremation. That doesn’t include cemetery costs like the plot or headstone.
Does Medicare cover funeral costs?
No. Medicare is health insurance and doesn’t pay anything toward funeral or burial costs.
What if I have health issues?
Many people still qualify. Some policies only ask a few health questions. Others accept everyone, but they usually have a waiting period, often 2 years, before the full benefit is paid.
How much coverage do I need?
It depends on the kind of service you want and any other bills you’d leave behind. Sherri can help you figure out an amount that makes sense for your family and your budget.