Funeral and burial costs
Services, burial or cremation, and related arrangements.
Help protect your family from final expenses.
Final expense insurance may help your loved ones manage funeral costs, medical bills, and other end-of-life expenses. Talk through available options with a licensed agent.
- Clear, one-on-one guidance
- Options based on eligibility
- No obligation to purchase
Agents are available Monday–Friday, 8 a.m.–8 p.m. ET.
A benefit your family can use where it matters.
The policy benefit is paid to your chosen beneficiary, who may use it for expenses such as:
Remaining medical bills
Eligible balances and other health-related expenses.
Other final expenses
Household bills, personal obligations, or family needs.
Life insurance proceeds are generally paid to the named beneficiary, who determines how they are used.
A straightforward conversation, at your pace.
No online application is started when you call. First, an agent listens.
- 1
Share what you need
Discuss your goals, budget, and general health information.
- 2
Review available options
Learn about plans for which you may be eligible in your state.
- 3
Decide what fits
Ask questions and choose whether you want to take a next step.
A plan built around your family
Make room for the conversations that matter.
Planning for final expenses can give families a clearer picture of what comes next. A licensed agent can explain policy types, benefit amounts, and possible limitations in plain language.
Call to discuss your optionsCoverage details deserve a clear explanation.
Policy availability, eligibility, premium, benefit amounts, exclusions, and limitations vary by carrier, state, age, and health. Some policies may include graded benefits or waiting periods.
Coverage is not effective until an application is approved, any required premium is received, and the policy is issued according to its terms.
Questions before you call?
Start with the basics. An agent can help with details specific to you.
What is final expense insurance?
Final expense insurance is generally a whole life insurance policy with a smaller benefit amount. Beneficiaries may use the proceeds for funeral and burial costs, medical bills, or other expenses. Policy terms vary by carrier.
Will I need a medical exam?
Some policies do not require a medical exam, but health questions may apply. Eligibility, underwriting, and available benefits depend on the carrier and your circumstances.
When does coverage begin?
The effective date and benefit availability are defined by the issued policy. Some plans may include a graded benefit or waiting period. An agent can explain the details of options available to you.
How much does coverage cost?
Premiums vary based on factors such as age, health, coverage amount, state, and the policy selected. Calling does not obligate you to apply for or purchase insurance.
Get clear answers from a licensed agent.
There is no obligation to apply or purchase when you call.