The median cost of a funeral is $8,300.1
Final Expense Whole Life Insurance can help with end-of-life costs.
Final Expense Whole Life Insurance
How can Final Expense Insurance help you?
Out-of-Pocket Medical Bills:
Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.
Legal and Accounting Costs:
Funeral and Burial Expenses:
Final Expense Insurance Features
Competitive Rates
Pays Cash Benefits
The cash benefit from final expense insurance can help cover funeral and burial costs, medical needs or anything else that will help loved ones.
No Physical Exam Needed
Answer a few health questions to apply for coverage, with fixed monthly premiums.
Lifetime Coverage3
Your final expense insurance coverage remains in place as long as your premiums are paid up.
Builds Cash Value
Our final expense insurance plans build cash value – a sum of money that can be used to borrow against or use it as a non-forfeiture benefit.
Payment Mode Flexibility
We offer flexible payment options or you can align your payment with your Social Security deposit.
Types of Final Expense Life Insurance Plans
Level Plan4
Accidental death
Full benefit immediately
Non-accidental death
All policy years = full benefit
Level Benefit Amounts
Choose a benefit in the following range:
| Issue age6 | Min. death benefit | Max. death benefit7 |
| 45-55 | $5,000 | $50,000 |
| 56-65 | $5,000 | $40,000 |
| 66-75 | $5,000 | $30,000 |
| 76-80 | $5,000 | $20,000 |
Modified Plan4
Accidental death
Full benefit immediately
Non-accidental death
Policy years 1 & 2 = limited benefit
Policy year 3 = full benefit
Modified Benefit Amounts
Choose a benefit in the following range:
| Issue age6 | Min. death benefit | Max. death benefit7 |
| 45-75 | $2,000 | $25,000 |
Final Expense Insurance Policy Riders
(available for Level Plan only)
Accelerated Death Benefits Rider
This rider pays up to 50% of the death benefit (less policy loan) if a physician provides written certification that the insured meets the definition for a qualifying event, which is a medical condition that results in a terminal illness with a life expectancy of less than 12 months. The minimum benefit is $1,000, and the maximum benefit is $15,000. An administrative fee not to exceed $200 will be taken from the benefit amount.
Accidental Death Benefit Rider
This rider pays 100% of the base policy’s face amount for accidental death for issue ages from 40 – 45.
Children’s Term Insurance Rider
How much Final Expense coverage do I need?
A handful of factors influence how much final expense life insurance you truly need. We recommend looking at your monthly expenses to help determine how much money you’d like to guarantee your beneficiaries. Here are a few different bills to factor in:
How to Apply for a Final Expense Life Insurance Policy
Request a Quote.
Request a quote or give us a call so we can walk you through all of your life insurance options.
Answer a series of questions about your health.
While some insurance plans require a formal medical exam, final expense insurance usually only requires a brief health questionnaire.
Choose the death benefit amount that best suits your needs.
This can be calculated by looking at your monthly household expenses, immediate needs and potential funeral expenses.
Apply for coverage.
Once approved, you can rest easier knowing your beneficiary will receive the death benefit to help with your final expenses when the time comes.