Leave your family a plan, not a bill.
A funeral with burial cost $8,300 in 2023. Tap an answer to see if a small final expense policy could cover it.
- Six questions, about one minute
- We never ask for your email or phone number
- Nobody will call you. You decide whether to call.
What final expense insurance is
Final expense insurance is a small whole life policy, usually between $5,000 and $25,000, meant to pay for a funeral, burial or cremation and the last bills. The payout goes to the person you name, who can use it for anything.
- The price is locked. Whole life premiums do not rise with age once the policy starts.
- Many plans skip the medical exam. Instead you answer health questions on the phone.
- Plans without health questions often wait. Many pay the full amount only after the first two or three years. Ask about this before you buy.
What funerals cost
| Type of funeral | 2023 median |
|---|---|
| Funeral with viewing and burialIncludes a vault. Excludes cemetery plot, headstone and other cash costs. | $8,300 |
| Funeral with viewing and cremationExcludes the urn, cemetery and other cash costs. | $6,280 |
Source: National Funeral Directors Association, 2023 General Price List Study. NFDA had not published a newer median as of this review.
What happens on the call
- A licensed agent answers. They work for an insurance agency in our partner network, not for Past 55.
- They ask a few health questions. The answers decide which plans and prices are open to you.
- You hear real prices. Most calls take 10 to 20 minutes. You do not have to buy anything.
Before you buy any policy: ask when the full benefit starts, whether the price can ever change, and what happens if a payment is late.