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Life insurance for final expenses
Smaller, lasting coverage so your family isn't left with the bill.
Final expense insurance is a smaller, permanent policy designed to cover funeral, burial, and other end-of-life costs — so your loved ones aren't left with the bill during a hard time. The application is usually simple, and many products don't require a medical exam, which makes it a common choice for older adults and anyone who wants to plan ahead.
Who it may fit
- Covering funeral, burial, and final medical costs
- Older adults who want simple, lifelong coverage
- Sparing loved ones a financial burden
- People who don't need a large policy
Coverage considerations
- Coverage amounts are smaller and aimed at end-of-life costs, not income replacement.
- Many products skip the medical exam and use a few health questions instead.
- Some policies include an initial waiting period before the full benefit applies.
- Guaranteed issue is an option for those who may not qualify elsewhere, with smaller amounts and a waiting period.
What to have ready before you apply
- Your date of birth and general health information
- A rough idea of the coverage amount
- Who you'd name as beneficiary
- Any specific final-expense costs you want to cover
Common questions
How much final expense coverage do people get?
It's generally smaller than other types — sized around funeral and end-of-life costs rather than income replacement. A licensed agent can help you choose an amount.
Do I need a medical exam for final expense?
Often not — many products use a few health questions instead. A no-exam outcome can't be promised for any specific person, and some policies include a waiting period.
See what coverage may fit.
Estimate your need, then start a quick quote — no obligation, and approval is never guaranteed.
Keep exploring
Seven16 Life provides general information to help you explore life insurance options. This is not financial, legal, or tax advice.
Coverage is subject to eligibility, the application, and underwriting. Not everyone will qualify, and approval is never guaranteed.
Products and availability may vary and may not be offered in all states.
Coverage is provided and underwritten by licensed insurance providers. Seven16 Life may refer or connect you with licensed providers or partners where appropriate.
Reviewed by Ronnie Dale O'Dell, licensed insurance producer · CA License #0D81935 · NPN 7488011.