Final Expense and Simplified Issue

Final Expense Statistics

$8,300

The national median cost of a funeral with viewing and burial was $8,300 in 2023, not including cemetery, monument, or some additional expenses.

$6,280

The national median cost of a funeral with viewing and cremation was $6,280 in 2023.

60%

60% of Americans who own life insurance say covering burial and final expenses is one reason they have coverage.

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What Makes Simplified Issue Attractive?

Less hassle — Simplified underwriting can reduce some of the traditional steps involved in applying for coverage.

A simpler application — Depending on the carrier and product, underwriting may rely on health questions and available data rather than a traditional medical exam.

Potentially faster decisions — Some simplified-issue products can provide an underwriting decision much faster than traditional processes.

No one-size-fits-all answer — Eligibility, underwriting requirements, premiums, and whether an exam is required vary by carrier and applicant.

Compare your options — Working with an independent agent can help you compare available products from multiple carriers rather than relying on a single insurance company.

Simplified-Issue Life Insurance

76% of Final Expense Policies

In 2025, 76% of final expense policies reported by participating insurers were simplified-issue policies, showing how common simplified underwriting has become in this market.

What We Offer

Final Expense Insurance

  • Final expense insurance is generally a smaller life insurance policy designed to help provide funds for expenses that may arise at the end of life, such as funeral services, burial or cremation costs, medical bills, and other outstanding expenses.

  • Final expense coverage may be a good fit for individuals who primarily want to make sure their loved ones aren't left with the financial burden of final expenses. It is often considered by adults looking for smaller amounts of permanent coverage and a straightforward application process.

  • Funeral and burial expenses • Final bills • Leaving a small financial cushion • Simplifying things for loved ones

Term Life Insurance

  • Term life insurance provides life insurance protection for a specific period, such as 10, 20, or 30 years. If the insured person dies while the policy is in force, the policy's death benefit is generally paid to the designated beneficiaries, subject to the policy's terms.

  • Term insurance can be a strong option for people who want substantial coverage during their working and family-raising years. It can help protect income, a mortgage, children's future expenses, or other financial obligations.

  • Income protection • Young families • Mortgage protection • Replacing income • Temporary financial obligations

Whole Life Insurance

  • Whole life insurance is permanent life insurance designed to provide coverage for the insured's lifetime, as long as the policy remains in force. It can also build cash value according to the policy's terms.

  • Whole life may be appropriate for someone looking for permanent coverage with predictable premiums and a cash-value component. It can be considered for long-term financial planning, legacy planning, or lifelong protection.

  • Lifetime coverage • Predictable premiums • Legacy planning • Permanent financial protection