Final Expense Insurance
Final Expense Insurance Made Fast & Simple
Get your quote, compare your options, and apply online. Some eligible applicants can complete the entire process — and get covered — in a single visit.
- No obligation to apply
- Compare options in one place
- Apply online, anytime
Get a Quote
~2 minutesSee your final expense options
Answer a few quick questions to see the coverage you may be eligible for.
Get a Free Quote- Quote Answer a few quick questions.
- Compare See your available options.
- Apply Complete your application online.
- Covered Get covered — quickly, if eligible.
How It Works
A simple, three-step process
Built to be fast without cutting corners — see your options and apply whenever you're ready.
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Get Your Quote
Answer a few questions about yourself and the coverage you want.
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Compare Your Options
See available final expense insurance options based on your information.
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Apply & Get Covered
Complete your application and, if approved and eligible, get coverage quickly.
Final Expense Insurance
What is final expense insurance?
Final expense insurance is a smaller, permanent life insurance policy designed to help your family cover end-of-life costs without scrambling to pay out of pocket. It's built to be simple to understand and, for many applicants, simple to apply for.
Coverage amounts are typically lower than traditional life insurance — often in the thousands rather than hundreds of thousands of dollars — which helps keep premiums manageable for people planning ahead.
Learn more about final expense insurance →Commonly used for
- Funeral expenses
- Burial costs
- Cremation
- Cemetery expenses
- Outstanding bills
- Medical expenses
- Other final expenses
Why Final Expense Insurance
Why choose final expense insurance?
A straightforward way to help your family avoid unexpected costs, on a timeline that works for you.
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Affordable coverage amounts
Choose a coverage amount that fits your budget and your family's needs.
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Simplified application options
Many products are designed to be quick to apply for, with straightforward questions.
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Built for end-of-life expenses
Coverage designed specifically to help with funeral, burial, and related costs.
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Options for older adults
Products available for a range of ages, including applicants later in life.
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No medical exam, depending on product
Some final expense products don't require a medical exam to apply.
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Flexible payment options
Premium payment schedules that can work with a fixed income.
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Apply online
Get a quote, compare options, and complete your application from home.
Coverage Amounts
Example coverage amounts
Available coverage amounts vary by carrier, age, health, and eligibility — these are common starting points to help you think through what you need.
- $5,000 Example coverage amount
- $10,000 Example coverage amount
- $15,000 Example coverage amount
- $20,000 Example coverage amount
- $25,000 Example coverage amount
Who It's For
Who is final expense insurance for?
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Seniors
Looking for coverage designed around later-in-life needs.
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Adults planning ahead
Who want arrangements in place before they're needed.
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Families
Who want to protect loved ones from unexpected funeral expenses.
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Budget-conscious shoppers
Looking for affordable, permanent life insurance options.
Related Coverage
Explore related coverage types
Final expense insurance goes by a few different names depending on how it's used — explore the option that matches what you're looking for.
FAQ
Common questions about final expense insurance
What is final expense insurance?
Final expense insurance is a type of permanent life insurance designed to help cover end-of-life costs, such as funeral, burial, or cremation expenses. It typically offers a smaller coverage amount than traditional life insurance and is aimed at making the application process simple.
How much does final expense insurance cost?
Cost varies based on factors like your age, gender, health, tobacco use, and the coverage amount you choose. Because pricing differs by carrier and applicant, the most accurate way to see your cost is to request a personalized quote.
How much coverage do I need?
It depends on your goals. Many people choose an amount intended to cover funeral and burial costs, while others add coverage for outstanding bills or medical expenses. Comparing a few coverage amounts side by side can help you find an amount that fits your budget.
Is final expense insurance the same as burial insurance?
The terms are often used interchangeably. Both generally describe smaller, permanent life insurance policies intended to help cover funeral, burial, cremation, or other end-of-life expenses.
Do I need a medical exam?
Many final expense insurance products are simplified issue or guaranteed issue, meaning a medical exam typically isn't required. Depending on the product and carrier, you may still need to answer some health questions.
Can I get final expense insurance if I have health problems?
Possibly. Some final expense insurance products are designed for applicants with health conditions that might make traditional life insurance harder to qualify for. Eligibility and pricing depend on the specific product, carrier, and your answers to any health questions asked.
How quickly can I get coverage?
Some applicants may be able to complete the process online and receive a coverage decision quickly, depending on eligibility, the product selected, and the issuing carrier's underwriting. Timelines vary and are not guaranteed for every applicant.
Can I apply online?
Yes. You can request a quote, compare your available options, and complete an application online. If you'd rather talk to someone, contact information is available on our Contact page.
What happens after I apply?
After you submit your application, the issuing carrier reviews it according to their underwriting guidelines. Depending on the product and your answers, you may receive a decision quickly or the carrier may follow up for additional information.
Get Started
Ready to see your final expense insurance options?
Get your free quote and compare what's available to you — no obligation.
No obligation. Coverage available for eligible applicants.