Final expense and burial insurance typically covers funeral costs, burial or cremation expenses, and unpaid medical bills or small debts. The goal is simple: protect loved ones from financial strain during an already difficult time

You can easily get a quote by contacting a final expense life insurance agent. They'll walk you through the process and provide you with personalized coverage options.

Most plans are simplified issue—no medical exam required. You’ll answer a few health questions, and some carriers offer guaranteed acceptance policies regardless of health conditions.

Yes. Final expense policies are designed to be accessible for seniors and individuals with chronic conditions. Many plans accept applicants well into their 80s, depending on the carrier.

A typical funeral can cost between $7,000 and $12,000. Most people choose coverage between $10,000 and $20,000 to comfortably cover services and leave behind a little cushion for loved ones.