No one wants to think about it. But the reality is that funerals are expensive, and when the time comes, the cost falls on the family you leave behind. The average funeral in the United States now costs between $7,000 and $12,000 — and that does not include the cemetery plot, headstone, obituary, flowers, or reception.
For many families, this bill arrives during one of the most emotionally devastating periods of their lives. Final expense insurance exists to make sure that burden never falls on the people you love.
What Is Final Expense Insurance?
Final expense insurance is a small whole life insurance policy — typically between $5,000 and $25,000 — designed specifically to cover end-of-life costs. Unlike term life insurance, it never expires and the premium never increases. Your family receives a tax-free cash benefit they can use for any purpose, including funeral costs, medical bills, credit card debt, or anything else they need.
Final expense insurance pays out quickly — typically within days of a claim — so your family has the funds available exactly when they need them most.
How Is It Different From Regular Life Insurance?
Traditional life insurance policies can be expensive and difficult to qualify for, especially as you get older or if you have health conditions. Final expense insurance is specifically designed for seniors between ages 50 and 85, with simplified underwriting — meaning most applicants qualify without a medical exam. Even people with serious health conditions can often find coverage.
How Much Does It Cost?
A final expense policy typically costs between $30 and $100 per month depending on your age, health, and the coverage amount you choose. For many seniors, it is one of the most affordable insurance decisions they can make — and one of the most meaningful.
What Does the Benefit Cover?
- Funeral home and burial or cremation costs
- Cemetery plot and headstone
- Outstanding medical bills
- Credit card debt or personal loans
- Legal and estate fees
- Any other expense your family has
The Gift of Peace of Mind
At Brsan Financial, founder Mark Brsan has specialized in final expense insurance since 2004. He has sat with thousands of families and seen firsthand the relief that comes from knowing this is taken care of. He has also seen the stress and heartbreak when it is not.
Getting coverage is simple, fast, and affordable. We compare options from multiple top-rated carriers to find the best plan for your age, health, and budget. A conversation with us costs nothing — and the protection it provides is priceless.