Final Expense Coverage
The average funeral costs $9,000 to $12,000.
Social Security pays $255.
- No medical exam
- Guaranteed acceptance 50 to 85
- Coverage up to $25,000
The Gap
$255
Social Security
death benefit
$9-12K
Average funeral
cost in 2026
Final expense coverage is built to close that gap.
Common Coverage Choices
Three plan sizes most families pick.
- $10,000Basic coveragePlans around $25 to $50 a month*
- Most chosen$15,000Most chosenPlans around $35 to $70 a month*
- $25,000Larger plansPlans around $55 to $110 a month*
*Indicative monthly ranges by age band. Final rate depends on age and state. Agent confirms exact rate on the call.
- No medical examA few health questions over the phone.
- Locked monthly ratePremium does not rise with age.
- Pays family tax-freeDirectly to the person you name.
- Built for 50 to 85Sized for the funeral-cost gap.
Before You Call
Four questions. About eight minutes.
- 1Your zip code
- 2Your age band
- 3Coverage range you have in mind
- 4Any coverage already in place
No credit card. No medical exam. No obligation.