Protect Your Family's
Final Wishes

The NFDA puts the national median cost of a burial funeral at $8,300. Cremation runs about $6,280. Once you add in medical bills, total end-of-life expenses can top $80,000. A funeral insurance policy keeps those costs off your family.

Most final expense and burial insurance plans skip the medical exam entirely. Simplified issue policies ask a few health questions and can approve you the same day. Guaranteed issue policies accept everyone ages 50-85 with no health questions, though they may include a graded benefit period in the first two years.

Final expense is a small whole life policy ($5,000-$25,000) built to cover burial and end-of-life costs. Whole life gives you lifelong coverage with cash value that grows over time, typically $25,000 to $500,000+. Term life covers a set period (10-30 years) and gives you the most coverage per dollar, which makes it a good fit for young families and mortgage protection.

No. Health insurance and Medicare only cover medical expenses. They will not pay for funeral, burial, or cremation costs. You need a separate life insurance policy, like final expense or burial insurance, that pays a death benefit to your beneficiaries.

Most insurance carriers process final expense claims within a few business days of receiving required documentation. The death benefit is paid directly to your named beneficiaries, who can use the funds for funeral costs, outstanding debts, or any other purpose with no restrictions.