Explore coverage designed to help families address funeral, burial, and other end-of-life expenses — without adding financial stress during an already difficult time.
Final expense insurance is a small, simplified whole life policy — typically covering funeral, burial, medical, or other end-of-life costs — designed to be affordable and easy to qualify for, often with simplified or no-exam underwriting.
Help your family avoid an unexpected, difficult expense during their time of grief.
Provide funds that can be used toward final medical costs, if needed.
Give loved ones flexibility to use the benefit where it's needed most.
Final expense policies are typically designed for simplified approval — often with a short health questionnaire and no medical exam — making them accessible to many people who might not qualify for larger, fully underwritten policies.
Typically no — most final expense policies use simplified underwriting based on a health questionnaire rather than a medical exam.
It depends on your area's typical funeral and burial costs plus any other final expenses you'd like covered — we can help you estimate a reasonable amount.
No. Coverage is subject to a completed application and the issuing carrier's underwriting approval, even under simplified-issue programs.