Final Expense Insurance
Lift the burden of funeral and end-of-life costs from the people you love — with coverage that's simple to qualify for.
What is final expense insurance?
Final expense insurance is a smaller whole life policy — typically $5,000 to $50,000 — designed to pay for a funeral, burial or cremation, final medical bills and other end-of-life costs. It's easier to qualify for than traditional life insurance, and coverage never expires.
Final expense for veterans
Eligible veterans may receive a burial allowance, a plot or interment allowance, and burial in a national cemetery with a government headstone or marker. These benefits are valuable, but they typically cover only part of total funeral costs, and eligibility and amounts depend on the circumstances of death. A final expense policy fills the gap so your family isn't paying out of pocket. See current VA burial benefit amounts at VA.gov, and read our final expense guide for veterans.
Key features
- Simplified underwriting — usually health questions only, no exam
- Guaranteed-acceptance options for serious health conditions (usually with a two-year graded benefit)
- Level premiums and lifetime coverage on whole life plans
- Benefits typically paid quickly to your beneficiary
Frequently asked questions
Who qualifies for final expense insurance?
Most carriers offer final expense to adults roughly ages 45–85. Many health conditions are accepted; guaranteed-issue plans accept everyone in the age range, usually with a two-year graded benefit period.
How much final expense coverage do I need?
Add up expected funeral or cremation costs, outstanding medical bills and small debts, minus any VA burial benefits you expect. Many people choose $10,000–$25,000.
What is a graded or waiting period?
Guaranteed-acceptance policies often pay a full benefit for accidental death right away but limit natural-cause benefits during the first two years, typically refunding premiums plus interest.
Ready to protect your family's future?
Get a free, no-obligation consultation with a licensed, veteran-led team.