Leave a gift, not a burden

What is final expense insurance?

Final expense insurance — sometimes called burial insurance — is a type of permanent whole life policy designed specifically to cover end-of-life costs. The death benefit, typically between $5,000 and $35,000, is paid directly to your named beneficiary and can be used for any purpose, including:

• Funeral and burial or cremation costs (average U.S. funeral: $8,300)
• Outstanding medical bills and hospice costs
• Credit card balances or small debts
• Any remaining financial obligations you choose to cover

Who is it designed for?

Final expense coverage is typically best suited for Florida residents who:

• Are between ages 50 and 85
• Want to protect family members from bearing funeral costs
• May not qualify for or need a large traditional life insurance policy
• Want simplified underwriting — most plans have no medical exam requirement
• Are on a fixed income and need predictable, affordable premiums

How underwriting works — what you should know

Most final expense policies use simplified underwriting, which means you answer a series of health questions rather than taking a physical exam. However, the underwriting result matters for how your benefit is structured:

• Level benefit: Full death benefit from day one. Requires reasonably good health answers.
• Graded benefit: If you have certain health conditions, the full benefit may not be paid if death occurs in the first 2–3 years. We will explain this clearly before you apply.
• Guaranteed issue: No health questions at all — but premiums are higher and graded benefits typically apply for the first 2 years.

We will tell you honestly which tier you're likely to qualify for based on your health situation, so there are no surprises for your family later.

What does it cost?

Premiums depend on your age, gender, tobacco use, health history, and the coverage amount you select. Because final expense policies are smaller than traditional life insurance, premiums are generally affordable on a fixed income. Premiums vary based on age, health, and coverage amount — we'll provide an estimate specific to your situation.

Premiums are locked in at the rate you qualify for when you apply and will never increase for the life of the policy.