Final expense life insurance
Leave your kids a blessing, not a bill.
Final expense insurance is a small, permanent life insurance policy. When you pass, it pays your family directly, so they can cover the funeral and the last bills without stress.
What a funeral really costs
In 2023, the national median cost of a funeral with a viewing and burial was $8,300, and $6,280 with cremation, according to the National Funeral Directors Association. That's before the cemetery plot, flowers or the reception.
The truth: Social Security's death benefit is a one-time payment of $255, and only some family members qualify for it.
Sources: National Funeral Directors Association 2023 median costs, as reported by NerdWallet; Social Security Administration, lump-sum death payment.
How it works
Permanent
Coverage stays in place for life as long as premiums are paid. It doesn't expire at a certain age.
Simple to apply
Many plans need no medical exam. Approval depends on your answers to a few health questions.
Paid to your family
The benefit goes to the person you name, who can use it for the funeral, bills, or anything else.
Some plans pay a limited benefit in the first two or three years. Kevin always tells you which kind of plan you're looking at before you decide.
Choosing the right size
- Think about the service you'd want: burial or cremation, a viewing, a church service.
- Add any final bills you'd like covered, so nobody has to scramble.
- Decide if you'd like to leave a little extra as a gift.
Kevin will walk through it with you and show you real options from more than one carrier. No pressure, and no obligation.
Ten minutes. Real answers. No pressure.
Tell us what's on your mind, and Kevin will walk you through your options with real numbers.