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Final Expense Life Insurance

Also known as burial insurance or end-of-life insurance, a Final Expense Plan is an insurance policy that helps cover medical bills and funeral expenses facing a family after a loved one’s death. There are three main types of Final Expense policies:

  1. Single-pay funeral trust plan: For people who choose to put a lump sum into their plan.
  2. Simplified-issue level and graded plan: For people who want to pay over time (this is the most popular type of policy).
  3. Guaranteed-issue plan: For people whose health issues disqualify them for coverage with a simplified issue plan; this type of policy has a much lower coverage cap. 

These options cost less than traditional insurance, and can be an affordable option for people on a fixed budget—such as seniors who want to plan for their end-of-life expenses.

Most importantly, a Final Expense plan enables a client’s loved ones to handle funeral costs, medical bills, and any other financial obligations during a highly emotional time.

Download the Postseason Game Plan flyer here

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Contact Our Final Expense Team


Mark Cogen, CLTC HIA
Final Expense Insurance Specialist
Ext. 1025
Clayton Crampton
Final Expense Insurance Specialist
Ext. 1029

Case Manager

Shawn Whittington
Ext. 1042

Final Expense News

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