Check your finalexpense options
Step 1 of 8
Who is this coverage for?
Final expense insurance helps your family pay for a funeral and final bills. Answer a few quick questions and one licensed agent will call with plans that fit your budget.
- Your information is encrypted
- Licensed agents only
- No cost, no obligation
How it works
- 1
Answer a few questions
Seven quick questions about who the coverage is for, age, state and budget.
- 2
Confirm your phone
We text you a code so we know it's really you.
- 3
Talk with one licensed agent
One agent calls you, not a crowd of them. There is no cost and no obligation.
How we're different
Many quote sites sell the same request to a list of agents, and the phone starts ringing. We don't.
Most quote sites Family Benefit Check
Most quote sites: Your number is sold to many agents
Family Benefit Check: Your details go to one licensed agent
Most quote sites: Calls from many companies
Family Benefit Check: Calls from one agent only
Most quote sites: Pushy sales calls
Family Benefit Check: No obligation to buy anything
Most quote sites: Long forms
Family Benefit Check: About 60 seconds of questions
Funeral costs and coverage
- Median cost of a funeral with a viewing and cremation
- $6,280
- Source: NFDA, 2023 (National Funeral Directors Association, 2023 General Price List Study, opens in a new tab)
- Average coverage on the most common kind of final expense policy sold in 2024
- $14,535
- Source: LIMRA, 2025 (LIMRA and Life Insurers Council, Final Expense Survey (2024 sales), opens in a new tab)
- Final expense policies sold in 2024 by the insurers LIMRA surveyed
- 1.06 million
- Source: LIMRA, 2025 (LIMRA and Life Insurers Council, Final Expense Survey (2024 sales), opens in a new tab)
What final expense covers
Final expense insurance is usually a small whole life policy. When you pass away, it pays your family a set amount they can use for whatever comes up.
- Funeral, burial or cremation
- Medical bills left behind
- Credit cards and other debts
- Travel for family and other final costs
What you pay depends on your age, your health, the amount you choose, and your state.
A typical funeral with viewing and burial
$8,300
- Metal casket$2,500
- Funeral home basic services$2,495
- Transfer, embalming and care$1,535
- Viewing and ceremony$1,025
- Hearse, car and printed programs$745
Cemetery plot, headstone, flowers and obituary are extra. A burial vault adds a median $1,695.
Source: National Funeral Directors Association, 2023 General Price List Study (opens in a new tab)
What does coverage look like?
Here is how common coverage amounts compare with what a funeral typically costs. Your agent can help you pick an amount that fits your family and your budget.
Typical cremation, $6,280
Typical burial, $8,300
$5,000
Most of a cremation
Pays most of a typical cremation with a viewing.
$10,000
A cremation, or a funeral before cemetery costs
Covers a typical cremation, or the funeral home costs of a typical burial. Cemetery costs are extra.
$15,000
A burial and final bills
Covers a typical burial with a vault, with about $5,000 left for a plot, headstone or bills.
$25,000
A full funeral and more
Covers a full funeral and burial, with room for medical bills, debts and travel for family.
Typical means the national median. Costs vary by state and funeral home. Source: National Funeral Directors Association, 2023 General Price List Study (opens in a new tab)