What It Covers
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Funeral & Cremation Costs
The average funeral with viewing and burial runs $7,000–$12,000+ depending on location and arrangements. Cremation averages $6,000–$8,000. The benefit pays for this directly — no crowdfunding, no dipping into savings.
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Medical Bills & Final Expenses
Hospital stays, hospice care, and final medical treatments can leave significant bills. These often go to surviving family members. Final expense insurance helps cover those costs without creating financial stress during grief.
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Outstanding Debts & Burdens
Credit card balances, funeral-related loans, and other debts don't disappear when someone passes. Many families are surprised to learn they're responsible. A final expense policy cushions this blow.
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Family Flexibility
Unlike pre-need funeral plans (which lock you into one funeral home), final expense insurance pays cash to your named beneficiary — who can use it however makes the most sense. No restrictions, no blackout clauses.
No spam. No medical exam. Your info stays private.
Eligibility
Age Range: 40–90
Most final expense carriers accept applicants from age 40 to 85. Security National Life accepts applicants up to age 90 — one of the highest age limits in the market. Coverage amounts vary by age: younger applicants can apply for up to $25,000; those over 80 are typically capped at $10,000.
No Medical Exam
The application asks about your health history — not your current vitals. No blood tests, no needle, no doctor's visit. Your health classification is determined by your answers to the health questionnaire, reviewed alongside your age and tobacco status
Health Conditions That Typically Qualify
Controlled high blood pressure, well-managed diabetes (no insulin before age 40), asthma, controlled cholesterol, past heart attack (2+ years ago), bypass surgery (2+ years ago), stent/angioplasty (2+ years ago), past cancer in remission 2+ years. These typically qualify at Preferred or Modified rates.
Conditions That May Result in Decline
Current cancer undergoing treatment, ALS (Lou Gehrig's disease), dialysis, severe cognitive impairment (Alzheimer's/dementia at time of application), or other extreme conditions typically result in a decline. Most common senior health conditions do not block approval.
Coverage Amounts
Basic Coverage
$5,000–$7,500
Covers cremation plus a small memorial service. Best for those with tight budgets or existing savings to supplement.
Standard Coverage
$10,000–$15,000
Full funeral and burial OR cremation with reception. Covers the majority of end-of-life costs for most families.
Complete Coverage
$20,000–$25,000
Traditional funeral with headstone, plot, reception, and outstanding debts. Full financial peace of mind
Plan Types
Best Available Rate
For applicants in good health with no significant conditions. Coverage begins from day one — the full benefit is available immediately upon policy issuance.
Waiting period: None — full benefit from day one.
For Applicants with Health Conditions
For those with qualifying health conditions that affect their classification. You pay a higher premium but are still fully insured — just with a graded benefit period.
Years 1–2: Death benefit paid = premiums paid + 10% interest. Year 3+: Full benefit paid.
Cost & Pricing
All rates from Security National Life — real premiums.
The Process
The Process
Final expense insurance — also called burial insurance or funeral insurance — is a whole life insurance policy designed to cover the costs of a funeral, cremation, medical bills, and other end-of-life expenses. It typically ranges from $5,000 to $25,000 in coverage, requires no medical exam, and has simplified underwriting. The goal is to spare your family from having to cover these costs out of pocket.
Final expense insurance costs roughly $30–$150/month depending on your age, gender, health status, tobacco use, and coverage amount. A healthy 65-year-old non-smoker can expect to pay approximately $72/month for $15,000 of coverage (female) or $102/month (male). Rates are locked in at time of application and never increase.
Most adults ages 40–90 can qualify. There is no medical exam required — just a health questionnaire. Common health conditions like controlled high blood pressure, well-managed diabetes, asthma, past heart attack (2+ years ago) typically do not disqualify you. Only a few serious conditions (current cancer treatment, ALS, dialysis, severe cognitive impairment) typically result in a decline.
Final expense insurance pays a lump-sum cash benefit to your named beneficiary upon your death — regardless of cause (accidental or natural). Your beneficiary can use the funds for funeral costs, cremation, medical bills, outstanding debts, or any other purpose. There are no restrictions on how the money is spent.
It depends on your health classification. Preferred (healthiest) applicants often receive immediate full coverage from day one — no waiting period. Modified plans (for those with certain qualifying health conditions) typically have a graded benefit period: years 1–2 return premiums paid plus 10% interest if you pass away; full benefit begins in year 3. Most common health conditions still qualify for Preferred with no waiting period.
Applying is simple: enter your age, gender, tobacco status, coverage amount, and basic health information. There is no medical exam — just a brief health questionnaire. You will see your rate instantly. A licensed agent will follow up only if you request a call. The entire process takes under 5 minutes online.
Most families need between $7,500 and $25,000 in coverage. A basic funeral and cremation typically runs $5,000–$10,000; a traditional funeral with burial can run $8,000–$15,000 or more when you factor in headstone, plot, and ceremony. Add outstanding medical bills or debts, and many families find $15,000–$25,000 provides full financial peace of mind.
No medical exam. No sales call. No spam. Your info stays private.
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