Final expense life insurance

Protect what you've built. Plan for what matters.

Explore final expense life insurance options designed to help your loved ones prepare for tomorrow — with a licensed agent who explains your choices in plain English.

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Licensed agent
No cost to talk
No obligation

Parents and their adult daughter enjoying a relaxed moment together at home — **Planning for yourself, or for a parent?**Start with a few questions. A licensed agent will help you explore your options.

A plan in place means one less thing for your family to decide

Final expenses tend to arrive all at once, during the hardest week a family can have. Putting a plan in place now gives the people you love room to grieve instead of scrambling to cover costs.

An older couple holding hands and laughing together at home

$8,300National median for a funeral with viewing and burial.¹

$6,280National median for a funeral with viewing and cremation.¹

Your wishesBurial or cremation, simple or traditional — a plan helps your family carry out what you would have wanted.

Who we help

Adults planning ahead

You've worked hard for what you have. A final expense policy can help cover funeral costs and final bills so your savings and your family's finances stay protected.

Adult children researching for a parent

Many families start the conversation on a parent's behalf. We'll walk you both through how coverage works and what to consider — the policy decision stays with your parent.

A couple relaxing together in a garden hammock

About final expense insurance

Final expense insurance — also called burial or funeral insurance — is generally a smaller whole life policy intended to help with funeral costs and other end-of-life expenses. When the insured passes, the policy pays a benefit to the beneficiaries they chose, who can use it as they see fit.

Coverage amounts are typically modest, chosen to match expected final expenses.
Many whole life final expense policies have premiums that do not increase with age. Terms depend on the policy.
Some plans ask a few health questions instead of requiring a medical exam. Eligibility is determined by the insurance company during the application.
Some plans include a waiting period before the full benefit is payable. Your agent will explain the terms of any plan you consider.

Coverage availability, benefits, premiums and underwriting vary by insurance company, state and individual eligibility. Not all applicants qualify.

Funeral cost estimator

Get a rough idea of what your family may need to cover.

Type of service

Cemetery plot, headstone or niche ($)

Flowers, obituary, reception ($)

Travel for family ($)

Outstanding bills to settle ($)

Estimated total to plan for

$8,300

This is an estimate for planning purposes only — not a quote or a coverage recommendation. Actual costs vary by location and the choices you make.

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¹ National medians from the National Funeral Directors Association 2023 General Price List Study; funeral home charges only.

How it works

Three steps, and there's no cost or obligation to talk with an agent.

Tell us about your needs
Answer a few quick questions — about two minutes.
Talk with a licensed agent
Barry Lam, a licensed agent with Americhoice Financial Group, will reach out to review options with you.
Decide what's right
Compare your options with no pressure. Whether and when to apply is entirely your choice.