Affordable Life Insurance Protection for Your Family

Guaranteed Acceptance Final Expense Insurance

What is Final Expense Insurance?

Final expenses are the end of life expenses your family pays, which may include the cost of your burial, funeral or cremation, and for other things you might want upon your passing, like a gathering of family and friends to celebrate your life. 

Although thinking about final expenses can be hard, knowing what they cost and making sure you have a life insurance policy big enough to cover them can help spare your family an expense they might not be able to afford. No one wants to leave their loved ones in financial distress after they have died.


How Much Do Final Expenses Cost?

Once you have an estimate of how much your end of life expenses will be, you can help prepare for them with a life insurance policy that fits your specific needs. That way, your family won’t be weighed down with finding a way to pay the burdensome cost of your final expenses.


What is Guaranteed Acceptance for Final Expense Coverage?

It’s a type of permanent life insurance policy that guarantees your acceptance for coverage.

Guaranteed approval means you are guaranteed to get approved for life insurance regardless of your health. You cannot be turned down, as long as you meet the age requirement to get approved. 

Of course, you’ll have to pay the premiums, and live in a state where the insurance company is licensed to offer the guaranteed issue plan. Get a free quote.


What is the Average Amount of Final Expenses?

According to a recent survey conducted in 2021 on behalf of the National Funeral Directors Association, the average cost of a funeral, burial and related final costs is around $7,848.


List of Common Final Expenses


  • Funeral
  • Burial
  • Burial Plot
  • Casket
  • Headstone
  • Memorial Service
  • Memorial Cards
  • Flowers
  • Hearse
  • Embalming
  • Removal / Transfer of Remains to Funeral Home
  • Celebration of Life Gathering – Food and Beverages


Additional Final Expenses Other Than

Cremation, Burial and Funeral

The list shown above represents some of the most common basic needs for a person’s final arrangements.

There may also be expenses in addition to the ones noted above, specifically for burial or cremation. 

Additional Final Costs might include:

  • Covering the cost of travel for family and friends so they can attend a wake, burial, or memorial service.
  • A reception room, catered meals, beverages and other expenses for a celebration of your life after the funeral and burial.

How Much Guaranteed Issue Final Insurance Can I Buy?

Usually, final expense policies offer a limited amount of insurance of around $2,000 up to $25,000.

However, you may be able to purchase more than one life insurance policy to fit your specific needs to cover the cost of your end of life expenses.


Can I Buy a Final Expense Policy on My Spouse? 

Yes. Insurable Interest is required in order to buy life insurance on another person’s life. Married couples have an Insurable Interest in one another.


Can I Cancel My Policy If I Change My Mind?

Yes. You may cancel your insurance policy at any time. Each policy comes with a Free Look Period usually lasting for a duration of 15, 20 or 30 days. If you decide you no longer want the insurance, you may return your policy during the Free Look Period for a full refund of all premiums paid.


Choosing the Right Final Expense Plan


Once you have determined the appropriate amount of final life insurance you need to cover the cost of your funeral and burial, you can select the right policy to fit your specific needs. 

By providing the right coverage, your family will not be left with the financial stress of trying to find a way to pay for your final expenses.


Final Expense Insurance Quotes


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 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.

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

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Disclosure: Compensated Affiliate