FINAL EXPENSE INSURANCE

Final expense insurance is permanent life insurance that covers end-of-life costs such as funeral services, burial or cremation, medical bills, and small debts. It is also called burial or funeral insurance. Its purpose is to make sure your family does not have to pay out of pocket during a difficult time.

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HOW IT WORKS

You apply for coverage
You pay a monthly premium
The policy stays active for life as long as you pay
When you pass away:
Your beneficiary receives a tax-free payout
They can use the money however they choose

There are no restrictions on how the money is used.

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Most policies range from:

TYPICAL COVERAGE AMOUNTS

$5,000
$10,000
$15,000
$20,000
Up to $50,000 in some cases

These amounts are designed to match real funeral and end-of-life costs.

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WHAT IT CAN PAY FOR

Funeral service
Burial or cremation
Casket or urn
Headstone
Medical bills
Credit cards
Small personal loans

Anything left over can go directly to your family.

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TYPES OF FINAL EXPENSE POLICIES

Level Benefit (Immediate Coverage)

Full payout from day one
Requires answering health questions
Best rates

Graded Benefit

Partial payout in first 1–2 years
Full payout after waiting period
For moderate health issues

Guaranteed Issue

No health questions
Approval almost guaranteed
Has a waiting period before full payout

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