Plans & Coverage
Final Expense Insurance
Final expense insurance is a small whole-life policy (typically $5,000–$25,000) designed to cover funeral, burial, and end-of-life costs. Acceptance is easy — often no medical exam — and the rate is locked for life. It keeps your family from facing those bills during a hard time.
How it works
You choose a coverage amount, premiums stay level, and the benefit is paid quickly to your beneficiary. Many policies offer guaranteed or simplified acceptance regardless of health.
Questions, answered
Do I need a medical exam for final expense insurance?
Usually no. Most final expense policies use a few health questions or guaranteed acceptance — we'll match you to a rate you qualify for.
How much does the average funeral actually cost?
The National Funeral Directors Association's most recent published survey put the median cost of a funeral with viewing and burial at $8,300, and a funeral with cremation at $6,280 (2023 figures, the latest available). Costs vary by region and provider, so use these as a planning reference, not a quote.
Is final expense insurance the same as a pre-paid funeral plan?
No. A pre-paid funeral plan is a contract directly with a funeral home that locks in specific services at today's price. Final expense insurance is a life insurance policy that pays a cash benefit to your beneficiary, who can use it for funeral costs or anything else — giving your family more flexibility on which provider to use.
Can I be turned down for final expense insurance?
Simplified-issue policies can decline you based on health-question answers, but guaranteed-issue policies accept anyone within the eligible age range regardless of health, typically with a waiting period before the full benefit applies to non-accidental death. We match you to whichever tier you qualify for.
How fast does the death benefit get paid out?
Final expense policies are designed for speed — most insurers pay claims within days once the required paperwork (death certificate, claim form) is submitted, so your family isn't waiting on funds while funeral costs are due.
Talk to a local La Crosse area advisor
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