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Final expense policies are designed to help cover funeral and burial costs, final medical bills, outstanding debts, and other end-of-life expenses. In essence, final expense policies provide a simple and affordable way to ensure your family receives the financial support they need and peace of mind to help cover your final expenses needs.
1. Level Or Immediate Benefit: Provides a full death benefit on the first day of coverage. Applications are quick and easy with no medical exams. This policy is best for those in good health with some minor health conditions.
2. Graded or Modified Benefit: Offers a limited death benefit in the first two years (30% in year one, 70% in year two), then a full death benefit from year three onward. If you die of an accident the full benefit is paid from day one. Applications are quick and easy with no medical exams. This is for those with semi-serious health conditions.
3. Guaranteed Issue: Guaranteed issue final expense policies require no medical exam or health questions. These policies are quick and easy to get regardless of health status, making them accessible for any individual. If the policyholder dies within a waiting period (usually 2-3 years), the beneficiary will receive a full return of premiums paid, plus interest. After the waiting period, the full death benefit is paid. If you die of an accident the full benefit is paid from day one.
In 2025 The National Funeral Directors Association (NFDA) estimates the median cost of a funeral and burial at about $9,995 This price does not include a burial plot, headstone or things like flowers or wreaths. Depending on the funeral home and funeral items chosen, the cost could be substantially higher.
| Basic services of the funeral director and staff | $2,495 |
| Removal/transfer of loved one to funeral home | $395 |
| Embalming | $845 |
| Preparation of the loved one | $295 |
| Facilities and staff to manage a viewing | $475 |
| Staff costs and use of the funeral home for the funeral | $550 |
| Coach services | $375 |
| Use of a service car/van | $175 |
| Basic printed materials for the memorial | $195 |
| Metal casket for burial | $2,500 |
| Median cost of a funeral with a viewing and burial | $8,300 |
| Vault | $1,695 |
| Total with vault | $9,995 |
Many cemeteries require a burial vault or concrete grave box to ensure the ground will not buckle over the casket. A vault is reinforced to preserve the remains from groundwater and insect activity. When calculating funeral costs, you may have to include the cost of a vault or grave box.