Affordable whole life coverage designed specifically to cover funeral costs, medical bills, and final expenses — so your loved ones can grieve without financial stress.
Final expense insurance — also called burial insurance or funeral insurance — is a type of whole life insurance designed to cover the costs that arise at the end of life. These costs include funeral services, caskets, burial plots, cremation, outstanding medical bills, and other debts you may leave behind.
Unlike traditional life insurance, final expense policies are typically smaller in coverage amount ($2,000 – $35,000), have simplified underwriting with no medical exam, and are much easier to qualify for — even with health conditions.
Your premiums are locked in for life, your coverage never expires, and the death benefit is paid directly to your beneficiary — usually within days — so they can handle expenses immediately.
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The average funeral in the United States costs between $8,000 and $12,000. Without coverage, that burden falls entirely on your family.
The national average for a full funeral service with burial is between $8,000 – $12,000. Cremation typically runs $3,000 – $7,000.
End-of-life medical expenses can add thousands more in hospital bills, hospice care, and prescription costs — often unpaid at the time of passing.
Without a policy in place, your family members must cover these costs out of pocket — often crowdfunding, taking on debt, or going without a proper service.
We work with dozens of carriers to match you with the right type of policy based on your health and budget.
The best rates and full coverage from day one. Ideal for clients in good to moderate health who can answer a few basic health questions.
Acceptance guaranteed regardless of health history. No health questions, no medical records, no exam. Perfect for those with serious health conditions.
Final expense insurance is designed for a wide range of people. You may be a great candidate if you:
Final expense policies are specifically designed for seniors and those approaching retirement age.
Coverage starts as low as $20–$40/month. No large lump-sum payments or expensive premiums.
Diabetes, COPD, heart disease? We have carriers that specialize in applicants with pre-existing conditions.
Turned down for traditional life insurance? Guaranteed issue plans accept everyone, no questions asked.
You don't want to leave your children or spouse scrambling to pay for a funeral or settle your debts.
Unlike term insurance, final expense is whole life — it never expires as long as you pay your premiums.
Premiums vary based on your age, gender, health, and the amount of coverage you select. Most clients pay between $30 and $100 per month. The best way to find your exact rate is to request a free quote — it only takes a few minutes and there's no obligation.
No! Final expense insurance typically requires no physical exam or blood work. Most policies require only a few health questions, and guaranteed issue plans require no questions at all.
Most carriers pay death benefits within 24–72 hours of receiving a complete claim. This rapid payout is one of the key advantages of final expense policies — your family won't be waiting weeks for funds to cover immediate costs.
With guaranteed issue plans, acceptance is 100% guaranteed regardless of your health history. You may pay slightly higher premiums, but you cannot be denied. For those in moderate health, simplified issue plans offer better rates with just a few health questions.
Final expense insurance is a type of whole life insurance — it never expires, builds cash value, and has fixed premiums. Term life insurance only covers a set period (e.g., 20 years) and expires when the term ends. Final expense insurance provides lifelong protection.
Yes. While it's designed to cover end-of-life expenses, the cash benefit is paid directly to your beneficiary and can be used for any purpose — funeral costs, medical bills, mortgage payments, or simply left as a financial gift for your loved ones.
Get your free, no-obligation final expense quote in minutes. Our licensed agents are ready to help you find the right plan at the right price.
Kelley Agency USA is an independent insurance agency. Coverage terms, conditions, limitations, and exclusions apply. Final expense insurance products and availability vary by state. This is not a Medicare plan. Consult with a licensed agent for details specific to your situation.
