Funeral Expense

Funeral or final expense coverage is designed to pay for funeral, burial or cremation and end-of-life medical expenses. These types of policies are generally offered in face amounts of $40,000 or less for those aged 50 to 85. The minimum and maximum face amounts and age limitations for coverage will vary between carriers.

Final expense policies are often simplified issue, meaning no medical exam, blood tests, or urine samples are required, although you will have to answer truthfully to health questions and agree to a medical background check, which is usually done instantly. The Internet has certainly facilitated quick access to information.

The significant number of people who have delayed buying life insurance until faced with health issues or increased age have made final expense policies very popular. Regardless of their health or financial challenges many seniors do not wish to burden their adult children with their final expense costs. And sometimes it is the adult children who take on the cost of the policy premium. The beneficiary is not limited by the policy in the ways that the final expense benefit can be used. 

Funeral Item Cost
Basic services fee
$2300
Transfer remains
$350
Embalming
$775
Prepare body
$275
Viewing
$450
Ceremony
$515
Hearse
$350
Service van
$150
Memorial prints
$183
Metal casket
$2500
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MEDIAN COST
$7848

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