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Final expense insurance is a type of whole life insurance designed to cover end-of-life costs including funeral expenses, burial or cremation, medical bills, and other debts. Policies typically range from $5,000 to $35,000 in coverage.

Most final expense policies cost between $20 and $80 per month depending on your age, health, and coverage amount. Many healthy adults in their 50s can get $10,000–$15,000 in coverage at competitive rates that are locked in for life.

Final expense insurance uses simplified underwriting — you answer a few health questions on a short application, and most people are approved within 24–48 hours. The process is straightforward with no lengthy paperwork.

Simplified issue policies ask a few health questions and offer immediate full coverage if you qualify. Guaranteed issue policies accept everyone regardless of health but typically have a 2-year waiting period before the full death benefit kicks in.