Final Expense (Burial) Insurance
A smaller whole life policy built to cover funeral, burial, and end-of-life costs. Designed for fixed incomes and older applicants, with the easiest approval of any product we offer.
Who qualifies
Most applicants qualify. Many plans require only a few health questions, and guaranteed-acceptance options exist for those with serious health conditions.
How it works
- 1
You choose a coverage amount sized to funeral and final costs (the national average funeral runs $8,000–$12,000).
- 2
Premiums are fixed for life and never increase once you're approved.
- 3
The benefit is paid directly to your named beneficiary, usually within days, and can be used for anything.
- 4
Coverage is permanent — it never expires as long as premiums are paid.
Best for
- Veterans and seniors on a fixed income
- Anyone who has been declined for other coverage due to health
- Families who simply want funeral and burial costs handled
What to consider
- Coverage amounts are smaller than term or permanent policies — it's meant for final costs, not income replacement.
- Guaranteed-acceptance plans may include a short waiting period before the full benefit applies.
See what you actually qualify for
Tell us a little about yourself and a licensed specialist will match you to coverage that fits — starting with the products you're most likely to be approved for.
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