Final Expense Insurance
A small policy with a big purpose: protect your family from the high cost of final expenses when they need it most.
Plan Ahead. Ease the Burden. No Loose Ends.
End-of-Life Coverage
Pays for funeral expenses, medical bills, and final debts.
Simple Application
Quick and easy to apply—no complex forms or long waits.
Locked-In Premiums
Consistent, low-cost coverage designed to work with most budgets.
No Medical Exam
No medical exams—just a few health questions in most cases.
Quick Claim Process
Funds are typically paid out fast to help ease the burden.
Guaranteed Payout
A tax-free cash benefit goes straight to your loved ones.
What Is Final Expense Insurance?
Final expense insurance (also known as burial insurance) is a small whole life policy designed to cover funeral costs, medical bills, and other end-of-life expenses.
Key features of a Final Expense Insurance policy:
- Permanent coverage with a smaller death benefit
- Simplified or guaranteed issue options
- Fixed premiums that never increase
- Simple application—often with no medical exam
Is a Final Expense Insurance Policy Right for You?
Final Expense Makes Sense If You…
- Want loved ones free from funeral or final bills
- Don’t need a large death benefit
- Need simple underwriting due to past health issues
- Are retired or approaching retirement
It Might Not Be Ideal If You…
- Seeking a policy for wealth transfer
- Already have a larger life insurance policy
- Need coverage for a short period of time
- Prefer to cover costs from your own savings
Not sure you need Final Expense coverage?
That’s exactly what we’re here for!
A quick call with our team can help you figure out if final expense insurance fits your goals—and whether it’s the right way to protect your loved ones from unexpected end-of-life costs.
How it Works
You choose a small, permanent coverage amount to help your loved ones cover final expenses. You pay modest fixed monthly premiums, and the policy stays in force for life.
When you pass away, your beneficiary receives a tax-free lump sum—typically $5,000 to $25,000—to cover your final expenses.
Benefits:
- Lifetime coverage with no expiration date
- Fixed, budget-friendly premiums
- Fast, tax-free payout to your loved one
- No medical exam required for most applicants
Meet the IFW Life Insurance Team
With over 35 years of experience, our independent team is here to help you find the right final expense policy for your needs and budget—without the pressure or confusion.
We compare top carriers and walk you through every step, so you can feel confident knowing your loved ones won’t be left with bills or financial stress when the time comes.
Our Carriers
We partner with over 37 top-rated life insurance companies to give you access to the best coverage options on the market.
Because we’re not tied to one carrier, we can shop around and build the right plan for your needs, budget, and goals.
Licensed & Trusted
Licensed in all 50 states, our IFW Life Insurance specialists are ready to deliver expert guidance you can trust. Backed by compliance and expertise.
