Final Expense
Insurance
Starting At $10
Funeral expense insurance provides families with peace when dealing with the sadness of death. With funeral expenses becoming more costly each year, having funeral insurance can help to avoid the financial burden when death occurs.
By answering a few health questions, our application makes it simple to apply.
- No Medical Exam
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Funeral Insurance
Final Expense insurance fast and free. Compare Final Expense and Funeral Expense coverage by the top leading burial and cremation insurance companies.
Final Expense Insurance – No Medical Exam
Funeral Expense Insurance
Funeral expense insurance, also known as burial and cremation insurance, is a type of life insurance that provides security for funeral costs after a loved one passes. Unlike prepaid funeral plans where services are limited to specific providers and funeral service offerings, final expense policies allow the beneficiary you designate to make use of the coverage as and where needed.
With funeral expense or burial policies, you can rest assure knowing end-of-life costs will be taken care of for your loved ones.
Planning Ahead
Last Will
Living Will
Preplanning Funeral
Final Expense
Cremation Insurance
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No Waiting Period
No Medical Exam
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Protecting Families With Funeral Insurance
Many people do not realize that their passing may create a financial burden on their families because funerals are expensive purchases. The costs of arrangements can vary greatly, depending on the services that are chosen.
Planning Ahead
No Medical Exam —
Simple Application
Free Quote—Apply Online
No Waiting Period
Full Coverage The First Day
Fast Approval Process
Low Cost
Monthly Rates as low as:$3.49 for Adults
$2.17 for Children or Grandchildren
Planning Ahead
The purchase of burial or funeral life insurance is a practical way to feel more confident knowing you are not going to leave unfinished business when you die.
Frequently Asked Questions
Final Expense Questions
How much does a funeral cost?
The median funeral costs $7,848 for a viewing and burial, while a funeral with cremation costs $6,970.Pre-planning for your funeral can help take some of the pain out of those expenses for yourself and your family – including funeral expenses.If you’ve ever arranged a funeral, you know even the most basic funeral expenses can be difficult to afford.
One of the best ways to control these costs is to plan ahead by knowing the average funeral cost and what each of the items and services runs. Once you know, you can decide which items are must-haves, what would be nice to have, and what you can do without.
What is Burial Insurance
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How much does Cremation Cost?
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What is Cremation Insurance
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Burial Insurance Questions
Benefits of Burial Insurance
Burial insurance offers an invaluable measure of financial security for those who worry about the cost of their funerary arrangements. It works by providing a lump-sum payment upon their passing, which can be used to cover funeral expenses like a casket and headstone or medical bills. In addition to reducing traditional costs associated with burial, it offers peace-of-mind in providing assurance that loved ones will not face unexpected expense. The funds can also assist families in meeting end-of-life expectations and honoring the memory of their departed, whether through paying for a memorial service or establishing a scholarship fund in their name. Ultimately, with burial insurance anyone can have confidence knowing that their final trip is covered.
How does Funeral Insurance Work?
Funeral insurance is a type of life insurance policy that provides your loved ones with funds to cover the costs associated with your funeral. It pays out either a lump sum or monthly payments over a number of years, depending on the plan you choose. When making these payments, you are essentially setting aside money to fund the cost of your funeral and other related expenses, easing the burden for family members left behind. Funeral insurance also has some added benefits; it usually does not require a medical exam and can be taken out at any age and regardless of health status. Additionally, the amount in the policy does not usually count as an asset when determining eligibility for government benefits such as Medicaid or Social Security.
What Are End of Life Expenses
End of life expenses refer to the costs associated with planning a funeral or memorial service and are usually the responsibility of the deceased’s family. These expenses can include anything from the funeral home’s services, to flowers, food for guests at the service, death certificates and even an obituary in a local newspaper. While end of life expenses can be overwhelming for families who have lost a loved one, they are an important part of honoring them in their passing. Planning ahead by being aware of and budgeting for these expenses enables families to focus on the healing process rather than paying off debt afterwards.
Alternatives to Burial Insurance
With funeral costs increasing every year, looking into alternatives to burial insurance can help individuals plan ahead and protect their legacy. There are a few financial options available to provide those leaving behind a funeral with some emotional and financial relief. One increasingly popular funeral planning tool is funeral trusts, also known as prepaid funeral accounts. This allows the holder of the account to place funds in an irrevocable trust fund and designate them for funeral payments upon their death. In addition to funeral trusts, some individuals opt to take out life insurance policies or save up the funds themselves to reduce their future funeral expenses when the time comes. No matter which option you choose, it is important for everyone to think about and plan for any funeral costs that may come up.
Are You Ready to Shop for Burial Insurance
End Of Life Planning
End-of-life planning refers to the steps a person takes to get their affairs in order and determine how they want to spend their last days. Also known as advance care planning, it typically involves a person completing a living will, a healthcare proxy, and a last will and testament.
What is Term Life Insurance?
Term life insurance is a great way to ensure that you and your loved ones are taken care of in the unfortunate event of your death. This type of insurance provides coverage for a specific period of time, after which the policy ends unless you choose to renew it. While no one likes to think about death, having term life insurance can give individuals and families peace of mind that they will be protected financially even if they are no longer here. With very affordable premiums and straightforward policies, term life insurance can provide much needed security during difficult times.
What is Term Life Insurance?
Term life insurance is a great way to ensure that you and your loved ones are taken care of in the unfortunate event of your death. This type of insurance provides coverage for a specific period of time, after which the policy ends unless you choose to renew it. While no one likes to think about death, having term life insurance can give individuals and families peace of mind that they will be protected financially even if they are no longer here. With very affordable premiums and straightforward policies, term life insurance can provide much needed security during difficult times.
What Are The Types Of Burial Insurance?
For anyone looking to ensure their burial and funeral services are paid for in advance, burial insurance is an excellent option. There are currently two types of burial insurance available: Whole Life Insurance and Final Expense Insurance.
Simplified issue: Simplified Issue Burial insurance is an inexpensive and hassle-free way to plan for the costs of a funeral or other end-of-life expenses. It does not require a physical exam or long medical history forms, only basic health questions that can be answered without speaking to a doctor.
Guaranteed issue: Guaranteed issue burial insurance provides peace of mind for individuals who are looking to ensure their burial expenses will be taken care of when they pass away. This type of insurance guarantees coverage, regardless of health or age, allowing those with pre-existing medical conditions that may not normally qualify for a policy access to the coverage they need. While the policies are generally more expensive due to the lack of underwriting, the extra cost is justified by eliminating any uncertainty surrounding whether or not you will be approved. With guaranteed issue burial insurance, individuals can rest assured knowing their final arrangements and associated costs will be covered upon death without risk of being denied a policy.
Pre-need insurance: Pre-need burial insurance is a type of insurance policy specifically designed to help families cover the cost of funeral expenses. This type of insurance typically includes coverage for funeral services, a casket, burial plot and other related costs associated with a funeral. While it may not be for everyone, pre-need burial insurance can provide much-needed financial support at an emotionally difficult time–and many policies even include inflation protection to account for rising costs in the years prior to death. That way, families can rest assured knowing their loved one’s final wishes will be respected without leaving them with financial burden.
Each type offers different benefits, so it’s important to research carefully before making a decision on which policy is best for you.
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