Final Expense Life Insurance

Final Expense Life Insurance:

Final Expense Insurance is a simple, affordable type of life insurance designed to help seniors cover end-of-life costs such as funeral expenses, medical bills, and other outstanding obligations. It provides peace of mind knowing your loved ones won’t be left with financial stress during an already difficult time.

No one likes to think about it — but the truth is, funeral and end-of-life expenses can place a heavy financial burden on the people we love most.

Having a final expense life insurance plan in place is one of the most thoughtful gifts you can leave behind. It helps ensure your family isn’t left struggling to cover unexpected costs during an already difficult time — allowing them to focus on honoring your memory instead of worrying about the bills.

According to the National Funeral Directors Association, the national median cost for a funeral with a burial and vault is close to $9,000. The national median cost for a funeral with cremation is now over $6,000. The benefit you receive from the government when you are on social security is just a small amount of $255.00.

These estimates don’t include additional expenses such as a cemetery plot (around $2,000), a monument or headstone (which can cost up to $10,000), or a grave marker (about $1,000). There are also smaller, often overlooked costs like flowers (around $200) and an obituary notice (about $200).

When you factor everything in, the average cost for a traditional funeral with burial and vault can easily reach $15,000 or more.

The funeral estimate only tells part of the story — it doesn’t include additional end-of-life costs like medical bills, legal fees, or other final arrangements.

Here are some of the expenses your loved ones might face immediately following a loss:

  • Credit card debt

  • Catering

  • End of Life Healthcare

  • Funeral home

  • Casket

  • Household expenses, such as utilities

  • Burial vault/grave liner

  • Hearse and services car

  • Removal and transfer of remains

  • Flower arrangements

  • Legal expenses, such as probate

  • Outstanding mortgage/car loan

  • Travel and lodging for out-of-state family attending funeral

  • Grave marker

  • Obituary

  • Cremation

  • Embalming and preparation

See Which Plans Are In Your Area Today

What do these plans cost?

These plans are surprisingly affordable! Many time's you can at minimum get some type of coverage for over a dollar a day. It's important to make sure you have something in place, not for yourself, but your those that you love. Feel free to fill out the form and get a quote or call us directly by pressing the "Click to Call" button above:

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800 MEDICARE to get information on all of your options.

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