Life insurance
Who pays for your funeral? How families cover final expenses
Final expenses are usually due quickly, and families often pay them from their own pocket. Setting aside money for them, with a savings account or final expense insurance, takes that pressure off.
Ways to plan
- Set aside savings in an account that can be reached quickly.
- Buy a final expense policy sized to cover burial or cremation and related costs.
- Pre-pay with a funeral home, and read the terms carefully.
- Leave clear written wishes so family members are not guessing.
Things to ask about a policy
- Is there a waiting period before the full benefit is paid?
- Does the benefit stay level and does the premium stay level?
- Who is the beneficiary, and can they get the money quickly?
Have this ready when you call
- Your age and general health
- Your funeral wishes
- Who you would want to be the beneficiary
- Existing coverage
Common questions
Is final expense insurance the same as life insurance?
It is a small life insurance policy meant to cover final costs. Terms vary, so read them carefully.
Can I qualify if I have health problems?
Some policies are designed for people with health conditions, often with limits in the first years. We can explain the options.
Related answers
Rather talk it through?
Call 855-367-1095 and a licensed agent will go through your situation with you. There is no charge to ask, and no obligation to enroll.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.