Affordable Life Insurance Protection for Your Family

Buy Final Expense Insurance Online

How to Buy Final Expense Insurance Coverage

Final expense insurance, which also known as "burial insurance" or "funeral insurance" is a type of permanent life insurance policy used to pay for the final expenses of the insured person that usually accumulate leading up to and after the your death.


There is a cost for burying someone upon their death and according to recent survey of the National Funeral Director’s Association the average cost is around $8,000 including a burial, casket, headstone, funeral, memorial service, flowers and other end of life final expenses. 


Unless you prepay the cost of your burial or cremation, you will pass along those costs to your surviving family members. 


If you care about your loved ones, the last thing you want is leave behind a financial burden for them, having to find a way to pay for your final expenses, while they are mourning your death.


Get a FREE Quote


That’s where buying a final expense policy can help.


Final expense coverage helps you prepare for your future by planning for the payment of your final expenses by providing the money needed so your family won’t have any financial stress placed upon them when you die.


Life insurance to cover your final expenses is easy to get without any hassles of a medical exam or lengthy delays to get insured.


In fact, anyone between the age of 45 to 85 can get insured.


You can purchase up to $25,000 of life insurance even if you have health issues. There’s no physical exam required, and you won’t have to answer any health questions to get insured.


You cannot be denied coverage due to any pre-existing medical problems. 


The rate you pay for your final expense policy will be based on your age, gender and the amount of insurance you need. The best time to purchase your final expense plan is while you are young. 


The rate you are charged for coverage is lower for young people because younger people are expected to live longer and keep paying premiums to the insurance carrier for a longer number of years.


Once you know you have a need for final expense life insurance you should buy a policy so you can lock-in a lower annual price.


Reasons to Buy Final Expense Insurance

There are several important reasons to get a final expense policy, including to help pay for the following end of life expenses:


  • Funeral Service
  • Burial Plot
  • Headstone
  • Memorial Service
  • Medical Bills
  • Flowers
  • Wake
  • Burial Casket


Should I Buy Final Expense Coverage?


That will depend on your personal situation. If you don’t have any money saved, or you don’t have enough money to cover the total cost of your burial and funeral expenses, you may want to get insured now, so you don’t leave behind a financial burden for your family.


National Average Final Expense Costs

Funeral and Burial Cost Estimates


  • Professional Services, Embalming, Visitation, etc. – $4,265
  • Metal casket - $2,295
  • Burial Vault - $1,195
  • Cemetery Cost Estimates
  • Cemetery Plot - $800
  • Monument - $950
  • Opening and Closing of the Grave - $1,295


Total Estimated Funeral/Burial and Cemetery Cost - $10,800


Benefits of a Final Expense Life Insurance

  • Available for Ages 45 to 85 years old
  • Amount of Coverage varies from $3,000 to $25,000
  • Guaranteed Cash Value
  • No Medical Exam or Medical Records Required
  • Premium Never Increases
  • Death Benefit Never Decreases
  • Whole Life Insurance Protection
  • The Policy Will Never Expire


What Life Insurance Carrier Offers Final Expense Policies?


There are several insurance carriers that offer life insurance plans to help you provide for your final expense costs. Some of the leading insurers include United of Omaha and Colonial Penn, among others.


United of Omaha is rated "A+" Superior for financial strength by AM Best Company. The financial rating of your life insurance company is important because you want them to be around when the time comes to pay out on your life insurance policy.


United of Omaha offers people ages 45 to 85 up to $25,000 of simplified life insurance coverage with no health exam required and no health questions asked.


If you are between 45 to 85 you cannot be turned down due to health reasons.


And, you have a money-back guarantee. They provide a 60 day money-back guarantee if you are not satisfied with your policy.


You can apply for final expense coverage for you and your spouse if you are married.


You can choose coverage from $3,000 up to $25,000 which will provide your family with the money needed to pay for your funeral, burial and final expenses and anything else they need.


Final Expense Insurance Quotes


Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.


Reasons to Buy Final Expense Insurance

Buy Final Expense Insurance Online

Senior Final Expense Program


Disclosure: Compensated Affiliate