Final Expense Insurance

Protect your loved ones from unexpected end-of-life costs

What Is Final Expense Insurance?

Final Expense Insurance — also known as burial insurance or funeral coverage — is a type of whole life insurance designed to cover the costs that come at the end of life. Unlike larger life insurance policies, this coverage offers a smaller, guaranteed tax-free payout directly to your beneficiary to help cover funeral, burial, or cremation costs, along with other final expenses.

It’s a practical and affordable way to ensure your loved ones are not left with a financial burden during a difficult emotional time.

Why Final Expense Coverage Matters

The average cost of a funeral with a viewing and burial is over $8,000, while cremation services often cost between $5,000 and $7,000. These expenses can come unexpectedly, and many families find themselves unprepared.

Final Expense Insurance provides fast-access funds to cover:

Funeral, burial, or cremation services
Caskets, urns, and memorials
Transportation of remains
Medical bills not covered by Medicare
Probate or legal fees
Unpaid bills or credit card debt
Travel expenses for out-of-town family

Who Is It For?

Final Expense Insurance is ideal for:

Adults aged 50 to 85 (depending on the carrier)
Medicare beneficiaries on a fixed income
Those with limited savings or no existing life insurance
Anyone wanting affordable monthly premiums
People looking to relieve their family of financial stress after passing

This policy is easy to qualify for, with no medical exam required in most cases — just a few simple health questions.

Key Features

✔️ Guaranteed Payout

Your beneficiaries receive a tax-free lump sum benefit to use however they need.

✔️ Lifetime Coverage

As a whole life policy, your coverage never expires as long as premiums are paid.

✔️ Level Premiums

Your monthly cost stays the same for life — no surprises or rate increases.

✔️ Fast Payouts

Most claims are paid within a few days, so your family has access to funds right away.

✔️ Flexible Use of Funds

There are no restrictions on how the benefit is used — it’s not limited to funeral expenses.

What to Know

Some policies include a graded benefit in the first 1–2 years
Coverage amounts typically range from $2,000 to $50,000
This is a supplement, not a replacement for full life insurance
Benefits may be reduced if death occurs during the waiting period (unless accidental)

Why It’s Worth It

Final Expense Insurance is about more than just covering costs — it’s about leaving behind peace of mind.

No GoFundMe Needed — Loved ones aren’t left scrambling
A Dignified Farewell — Helps ensure your wishes are honored
Financial Relief — Reduces the emotional and financial stress of planning a funeral
Legacy of Care — Shows your family that you planned ahead

Get a Quote Today

It only takes a few minutes to explore your options. At Cole Insure, we work with top-rated carriers to match you with an affordable final expense plan that fits your needs and budget.