Final expense insurance
Coverage designed with final expenses in mind.
No obligation. See estimated rates before you talk to anyone.
Final expense insurance is permanent life insurance designed for smaller coverage amounts that can help families prepare for funeral costs and other end-of-life expenses. Policy Profile makes it easy to explore estimated rates before deciding whether you'd like help from a licensed agent.
How final expense works
Permanent coverage for expenses your family may eventually face.
- Final expense insurance is commonly a form of permanent whole life insurance.
- Coverage amounts are generally smaller than many term life policies.
- Coverage is commonly intended to help beneficiaries handle funeral expenses and other final financial obligations.
- If the insured dies while the policy is in force, the death benefit is paid according to the policy terms.
- Beneficiaries may have needs beyond funeral costs, and can generally use the benefit for those as well.
Final expense insurance is sometimes referred to as burial insurance. Like any policy, coverage generally depends on premiums being paid as the policy requires.
Funeral & cremation costs
See typical funeral costs for your region.
Funeral costs vary by location and the services a family chooses. Enter your ZIP code to see the National Funeral Directors Association regional median costs associated with your state.
Regional funeral costs associated with
- Burial — NFDA regional median
- Cremation — NFDA regional median
These figures are NFDA regional medians associated with . They are not ZIP-specific estimates, and actual funeral costs vary by provider, services selected, merchandise, cemetery or crematory charges, and other expenses.
Source: National Funeral Directors Association (NFDA), 2023 General Price List Study.
Final Expense coverage can help families prepare for costs like these and other financial obligations. You can explore the coverage amounts available through Policy Profile's online quote below.
See Final Expense RatesNational Funeral Directors Association (NFDA), 2023 General Price List Study — regional median funeral costs mapped to states.
What it may help with
Final expenses can include more than the funeral.
A final expense benefit is paid to your beneficiaries, who generally decide how to use it. It may help with:
- Funeral or memorial services.
- Burial or cremation.
- Outstanding medical bills.
- Household bills.
- Small debts.
- Other expenses a family may face.
Coverage amounts
Explore coverage amounts that fit different stages of life.
The coverage amounts you can choose in Policy Profile's online quote depend on your age.
Ages18–80
- $5,000
- $10,000
- $15,000
- $20,000
- $25,000
- $30,000
Ages81–85
- $5,000
- $10,000
- $15,000
- $20,000
- $25,000
Ages86–90
- $5,000
- $10,000
These are Policy Profile's current online quote choices. They are not a statement that every insurer offers every amount, or that other coverage amounts are unavailable elsewhere. Choosing an amount does not guarantee a quote will be available; options depend on your information and insurer rules.
Pricing
What affects Final Expense insurance rates?
Insurers look at the coverage you choose and at you. Common factors include:
- Age
- Gender or rating sex used by insurers
- Coverage amount
- Tobacco and nicotine history
- Height and weight
- Health history
- Medications
- Blood pressure and cholesterol information
- Insurer and product underwriting
Health conditions or tobacco use do not automatically mean coverage is unavailable. Insurance companies evaluate applicants differently.
More than one path
What if traditional Final Expense coverage isn't available?
Policy Profile first looks for traditional Final Expense options available through our online quote experience. If no eligible traditional rates are available to show, Guaranteed Issue coverage may still be an option.
- Different structures
- Guaranteed Issue products can have different benefit structures and limitations than traditional coverage.
- Details vary
- Policy details vary by insurer, so it's worth reading how a specific product works.
- Reviewed with you
- A licensed Policy Profile agent can review the specific product details with you before you apply.
Availability depends on your information and insurer rules; not every applicant is eligible for every product.
Compare your options
One agency. Multiple insurance companies.
Policy Profile is a licensed insurance agency. We work with multiple life insurance companies, so you can see estimated rates before asking anyone for help.
When you're ready, a licensed agent can review the options available to you and help with the application. The issuing insurance company determines final eligibility and premiums.
Final expense and term life
Two kinds of coverage, designed around different needs.
Final expense
- Generally smaller coverage amounts.
- Commonly permanent whole life coverage.
- Often considered for funeral costs and final financial obligations.
- Designed around a different need than large, temporary income protection.
Term life
- Generally larger coverage amounts.
- Coverage for a defined period of time.
- Often considered for income replacement, mortgage obligations, dependents, and other temporary responsibilities.
- Typically does not build cash value.
Individual needs differ, and some people own both kinds of coverage. Learn more about Term Life Insurance. Planning around a home loan? See mortgage protection insurance, or read how indexed universal life insurance works.
Common questions
Common questions about final expense insurance.
Rates you see are estimates. Review our Privacy Policy and Terms of Use to see how your information is handled.
What is Final Expense insurance?
Final expense insurance is commonly a form of permanent whole life insurance with smaller coverage amounts. It is designed to help beneficiaries with funeral costs and other final expenses, and the death benefit is paid according to the policy terms.
Is Final Expense insurance the same as burial insurance?
The terms are often used to describe the same kind of coverage. Despite the name, beneficiaries can generally use the benefit for needs beyond burial, subject to the policy terms.
How much does a funeral cost?
Costs vary by location, provider, and the services a family chooses. Use the ZIP lookup on this page to see National Funeral Directors Association regional median burial and cremation costs associated with your state.
How much Final Expense coverage should I consider?
It depends on what you'd like the benefit to help with—funeral preferences, medical bills, debts, or other expenses—and on what fits your budget. Policy Profile's online quote offers choices from $5,000 up to $30,000, depending on your age.
Can I get Final Expense insurance if I have health conditions?
Health conditions can affect pricing and available options, but they do not automatically mean coverage is unavailable. Insurance companies evaluate applicants differently; eligibility depends on the insurer's underwriting.
Can I get coverage if I use tobacco or nicotine?
Tobacco or nicotine use can affect rates, but it does not automatically mean coverage is unavailable. Eligibility depends on the insurer.
What is Guaranteed Issue life insurance?
Guaranteed Issue coverage may be an option when traditional Final Expense coverage isn't available. These products can have different benefit structures and limitations, and details vary by insurer. A licensed Policy Profile agent can review the specific product with you before you apply.
Are the rates Policy Profile shows final?
No. Policy Profile shows estimated rates based on the information you provide. Final eligibility and premiums are determined by the issuing insurer after its application and underwriting process.
See your options
See what Final Expense coverage could cost you.
Answer a few straightforward questions and explore estimated Final Expense rates based on the information you provide.
No obligation. Ask for help only when you're ready.