Final expense coverage for the people you love
About 90 seconds
What would you most want this coverage to do for your family?
Just the funeral, or something left over?A funeral with burial runs a median $8,300. Coverage can pay for it so your family doesn’t have to scramble. See which approach fits and what it could cost. Free, and you never have to buy.
- Free, no obligation
- Licensed agents, say no any time
- Your info is encrypted
How it works
Three steps to your own licensed agent
- 1
Tell us who it is for
What you want the coverage to do, who it is for, their age and state, what they have today, a budget, and two health questions. Most answers take one tap.
- 2
Confirm your phone with a code
We text a 6-digit code to the number you give us. It keeps your details from going to the wrong person.
- 3
Meet your agent
Once one is assigned, you see their name first. Ask anything, take your time, and say no if it is not right.
Meet your agent
See your agent before you talk
Once a licensed agent is assigned, we show you who it is right after you confirm your phone.
- A real, licensed personYou see their name, and their license number (NPN) when they have added it. Your state insurance department can look it up.
- A note in their own wordsMany agents add a short hello, so you know a little about them before the phone rings.
- Call them first if you likeIf the agent lists a number, you can tap it and call them yourself.
Laura is your agent
Laura Bennett
NPN 00000000
A note from Laura
“Hi, I’m Laura. I’m here to go over your options. Ask me anything.”
For someone you love
Checking for a parent or spouse? That works too.
You can check options for Mom, Dad, or a husband or wife. Here is how that works.
- Answer for themWhen we ask who it is for, pick “A parent”, “My spouse” or “Someone else”. We then ask for their age and state, not yours.
- You talk with the agentPut your own name and phone number in the contact step, and the ZIP code where they live. Pick a time to talk when your parent or spouse can join.
- They still decideThe person being covered has to agree to the policy, sign the application and answer the health questions with the agent.
What final expense looks like in real life
- 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 it pays for
A set amount your family can use for anything
Final expense insurance is usually a small whole life policy. When the insured person passes away, it pays a set amount to the person they chose.
- Funeral, burial or cremation
- Medical bills left behind
- Debts, like credit cards
- Travel for family
The price depends on age, health, the amount chosen and the state.
A typical funeral with a 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)
How far does each amount go?
Common coverage amounts next to what a funeral typically costs. Your agent can help you land on the right one.
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)
Things people ask before they start
Something else on your mind? Email help@finalexpensequiz.com
Ready when you are
A few basics about who it is for, your name and number, a code to confirm your phone, then you are matched with a licensed agent. For you, or for someone you love.
See my options