Cover final expenses, so your family doesn't have to.

Final expense insurance (sometimes called burial or funeral insurance) is a type of whole-life policy with a smaller benefit amount. Instead of replacing years of income, it's meant to cover the immediate costs that come at the end of life: the funeral, the burial or cremation, and smaller outstanding bills.

Because the coverage amount is modest, monthly premiums are typically lower than a large whole-life policy, which makes it a popular choice for people who want to plan ahead without a big financial commitment.

Final expense coverage is often chosen by older adults who want to make sure their family isn't left covering funeral costs out of pocket. It can also be a fit if you simply want a smaller, more manageable policy focused on end-of-life costs rather than replacing income.

The right amount depends on the kind of service you'd want and any small debts you'd like to leave settled. Funeral and burial costs in the U.S. commonly run into the thousands of dollars, so many people choose a benefit sized to cover those costs with a little left over.

There's no single right answer. When you're ready, someone from our team will walk you through realistic numbers for your situation, with no pressure and no obligation.