Final expense insurance for peace of mind.
A smaller whole life policy designed to cover funeral costs, medical bills and final expenses, so your family isn’t left with the bill.
Don’t leave the bill to your family.
Final expense insurance (sometimes called burial insurance) is a whole life policy with a smaller face amount, typically chosen to cover a funeral, burial or cremation, and any remaining bills.
Most policies use simplified underwriting: a few health questions and no medical exam. Premiums stay level and coverage lasts for life.
How it works
- Smaller face amounts sized to final costs
- Health questions instead of a medical exam on most plans
- Level premiums that never increase
- Coverage that lasts for life
- Graded or guaranteed-issue options for some health conditions (benefits may be limited in early years)
Is this right for you?
Seniors 50–85
Who want to cover final costs without a large policy.
Grandparents
Who don’t want children to pay for the funeral.
Health concerns
Simplified and guaranteed-issue options may be available.
Final Expense Insurance FAQ.
Serving Alpharetta and North Atlanta from 126 N Main St, Suite B200.
How much final expense coverage do I need?
Many families choose enough to cover the funeral or cremation, plus a cushion for medical bills and other costs. We’ll help you estimate a number that fits your wishes and budget.
Can I qualify with health problems?
Often, yes. Different carriers view conditions differently, which is a big advantage of using an independent broker. Guaranteed-issue plans exist but usually have a waiting period for full benefits.
Will my premium go up as I age?
Not on a level-premium whole life final expense policy. The premium is set when you buy it.
How fast is the benefit paid?
Claims are typically paid after the carrier receives a certified death certificate and claim form, often within weeks.
Other ways to protect your family.
Term Life Insurance
The most coverage for the lowest cost, for the years your family depends on your income.
Learn more →Lifetime CoverageWhole Life Insurance
Permanent coverage with level premiums and guaranteed cash value.
Learn more →Growth PotentialIndexed Universal Life (IUL)
Permanent protection with cash value linked to a market index and a 0% floor.
Learn more →Protect the HomeMortgage Protection
Coverage designed to pay off your home if something happens to you.
Learn more →Use It While LivingLiving Benefits
Policies that can pay out early for a qualifying critical, chronic or terminal illness.
Learn more →For OwnersBusiness Owner Insurance
Key person coverage, buy-sell funding and protection for what you’ve built.
Learn more →Let’s build something that outlasts us.
Protect your family or start your career. Either way, it begins with one conversation.
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