Final expense insurance

A funeral in California can cost between $7,000 and $15,000. Final expense insurance protects your family from that financial burden when they are most vulnerable. Lifetime coverage, fixed premium, no medical exam.

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Agent tip

Buying when you're young and healthy is the best financial decision. The premium rises with age and health status.

What's included?

Funeral and burial expenses

Covers direct funeral costs: casket, service, cremation or burial, monument.

Final medical bills

Helps cover hospital bills or palliative care expenses outstanding at death.

Debts and legal expenses

The benefit can be used to settle credit card debts, probate expenses or other outstanding obligations.

Key benefits

No medical exam

Most policies only require answering a few health questions. Fast approval.

Fixed premium for life

Your premium never increases regardless of age or health changes once the policy is issued.

Immediate or graded coverage

Options with full coverage from day 1, or graded coverage for pre-existing conditions.

Tax-free benefit

The death benefit is generally not subject to federal income tax.

Frequently asked questions

How much final expense coverage do I need?

In California, a complete funeral costs between $7,000 and $15,000. Add any outstanding medical bills and debts you want settled. Most of our clients choose between $10,000 and $25,000 in coverage.

At what age can I get final expense insurance?

Most insurers offer this coverage between ages 50 and 85. Some have options up to age 89. The earlier you get it, the lower your premium will be.

What if I have pre-existing conditions?

There are options for almost all conditions. 'Guaranteed issue' policies ask no health questions but have a 2-year waiting period. Simplified issue policies ask some questions but offer immediate coverage.