Funeral Service
The viewing, the service, the flowers and the transport usually make up the biggest share of the total.
Burial coverage
Burial Costs, Covered Ahead of Time
A fixed cash benefit paid to the person you name, so the farewell you want is covered the way you want it, at a premium that suits your budget.
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What it can pay for
What a Final Expense Benefit Covers
The benefit is paid in cash, so it is not tied to one funeral home or one kind of service. Most of it goes to the three costs below, and anything left stays with the person you name.
Burial or Cremation
A plot and a headstone, or a cremation and an urn. Each path carries its own price, and the benefit can go toward either.
Bills Left Behind
Final medical statements, a card balance or one last month of rent can land on whoever is handling your affairs.
About this coverage
The Basics of a Final Expense Policy
Final expense insurance is whole life coverage sold in smaller amounts. You choose the benefit and the person who receives it, and I go through each choice with you here, one at a time.
- What you pay stays put. The premium set on day one is the one you keep.
- Sized for the job. Enough to cover a service and the bills around it.
Your benefit
The Choices That Shape Your Policy
The policy is modest, but the choices inside it matter. The amount, the person who receives it and the way it gets spent are all yours to set, and none of them need to be settled in a hurry.
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Pick the amount
Name the person
Spend it as needed
Change it later
Why plan now
Good Reasons and Common Questions
Made for later in life- Health questions, no exam
- Paid outside the estate
- Cash value over time
Picture the goodbye you want, price it, then add a cushion for the bills that tend to follow.
Anyone you name, split between more than one person if you like. It is paid to them directly.
Yes. The benefit is paid in cash, so a burial, a cremation or a quiet memorial can all be covered.
Your answers are reviewed, the policy starts with the first premium, and you tell your beneficiary where it is kept.
Kind words
From People Who Planned Ahead
A few notes from people who set up their final expense coverage with me.