Final Expense Life Insurance

A little planning now can ease the burden on the people you love.

Final expense insurance is life insurance designed to provide a benefit your loved ones can use for funeral costs and other expenses after your death. It can be a practical option when you want to set aside a specific amount for these needs without leaving the decisions entirely to your family.

What can final expense coverage help with?

When someone passes away, a spouse, adult child, or another loved one often takes on the arrangements and the expenses that follow. Final expense insurance can provide a benefit to help with funeral or cremation costs and other needs, so the person you choose has financial help at a difficult time.

What should you review before choosing a policy?

Your age and health history

Available coverage and premiums depend on factors such as your age, health history, and prescription medications. We’ll review your circumstances and compare the options for which you may qualify. The goal is coverage you understand and payments you can maintain.

When the full benefit begins

Depending on the policy and your eligibility, the full death benefit may be available when coverage takes effect. Other policies limit the benefit for a death from natural causes during an initial period, often two years. During that time, a beneficiary might receive a reduced benefit or a return of premiums, depending on the policy. Some policies provide the full benefit for a qualifying accidental death during that period. We’ll review these terms before you apply so you know what your family could receive.*

Payments that fit your budget

We’ll compare premiums with the amount of coverage you want and review available payment dates. If you receive monthly Social Security benefits, we can look for an insurer that allows your premium to be drafted from your bank account shortly after your benefit is deposited.

Let’s Review Your Final Expense Options

You don’t have to sort through the options alone. We can review your goals, compare available coverage, and decide what makes sense for your family. Give your family one less thing to worry about.

*Eligibility, premiums, effective date, and any graded or waiting-period benefits depend on the insurer, your age, health and information provided in your application, and the policy issued.