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Final Expense Life Insurance

Final expense life insurance is a type of life insurance that is intended to cover the costs of funerals and burials so that family members can be less burdened by such expenses. They are primarily purchased by people middle-aged and older who do not already have life insurance.

The Cost of Dying

Funerals can be incredibly expensive, with even simple preparations such as cremation costing thousands of dollars.  When calculating the amount of necessary coverage, considerations should include:

  • Price of a memorial service
  • Cremation services
  • Casket
  • Burial vault
  • Burial plot
  • Headstone
  • Embalming

People who purchase final expense insurance commonly also make pre-planned funeral arrangements with funeral homes.  This is an agreement set ahead of time as to exactly what you want at your funeral and how much it will cost.  They can even be pre-paid, although this is not a requirement.  This allows you to know exactly how much money is necessary for a final expense insurance policy.

Benefits over Traditional Policies

Final expense insurance works exactly like regular life insurance; upon your death, the policy will be paid out to beneficiaries.  While the intent is for the money to cover funeral expenses, beneficiaries can use the money any way the desire.

Because final expense policies are meant to cover a very narrow range of expenses, they are smaller in value than the average life insurance policy.  That means lower premiums, which can be particularly important for those living on fixed income.

There are also no medical exams for final expense insurance, although there may be a health questionnaire.  These policies are generally guaranteed, meaning everyone will be accepted, but the health questionnaire can influence price.

Many of these policies will only partially pay out if death occurs within the first two years.

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