Final Expense Insurance
Final expense insurance is a small, permanent life insurance policy designed to cover funeral costs and other end-of-life expenses. It’s simple, affordable, and easy to qualify for—providing peace of mind for you and your loved ones.
Affordable Coverage for Life’s Final Costs
Funeral costs, medical bills, and unpaid debts can place a financial burden on families during an already difficult time. Final expense insurance offers a way to prepare ahead with a modest life insurance policy that stays in place for life.
These policies are typically easier to qualify for than larger life insurance plans, and coverage amounts are designed to meet the specific needs of final arrangements. We’ll help you understand your options, estimate your needs, and enroll in a plan that brings security and peace of mind.
Why Consider Final Expense Insurance?
Covers Funeral Costs
Helps pay for burial, cremation, memorial services, and related expenses so your family isn’t left with the bill.
No Medical Exam
Many plans offer simplified underwriting, with no physical exam required for approval.
Permanent Coverage
Policies do not expire and premiums stay the same, ensuring lifelong protection.
Frequently Asked Questions
How much coverage can I get with final expense insurance?
Most policies offer coverage from $5,000 to $25,000, depending on your needs and budget.
Is this the same as regular life insurance?
Final expense is a type of whole life insurance, but with smaller benefit amounts and simpler qualifications.
Can the money be used for anything?
Yes, the payout goes to your chosen beneficiary, who can use the funds for funeral costs, medical bills, or other needs.
What if I already have some life insurance?
Final expense can be used to supplement existing coverage and ensure specific end-of-life costs are covered.
Who is eligible for this type of insurance?
Most people between ages 50 and 85 qualify, and many plans offer guaranteed acceptance regardless of health.
Life Insurance Help
Plan Ahead for Peace of Mind
We help individuals in Richmond, Centerville, Cambridge City, and Connersville choose final expense insurance that fits their goals and budget. It’s one of the simplest ways to protect your family from unexpected costs and leave a lasting act of care.