Final Expense Insurance
Protect your loved ones from funeral costs, medical bills, and other final expenses with affordable coverage that lasts a lifetime.
On This Page
Starting at $2.99/day
What Is Final Expense
Insurance?
Final Expense Insurance — sometimes called burial insurance, funeral insurance, or end-of-life coverage — is a whole life insurance policy designed to help your loved ones cover the costs that come after you pass away.
Unlike traditional life insurance, which is meant to replace income or pay off large debts like a mortgage, final expense coverage focuses on immediate, practical needs such as:
Out-Of-Pocket Medical Bills:
Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.
Legal And Accounting Costs:
The legal proceedings referred to as probate, and related accounting fees, can be a shock to family and loved ones. Probate costs vary by state, and the process can take months — or years.
Funeral And Burial Expenses:
A funeral can be one of your family's largest expenses. The average cost of a funeral is $8,300. While many believe cremation is far less expensive, data shows the cost is only 28% less than a traditional funeral.
Why Final Expense Insurance Matters
Losing a loved one is never easy. Beyond the grief and emotional toll, families often face the unexpected financial burden of final arrangements. From funeral services to unpaid medical bills, these costs can quickly add up — often when families are least prepared.
The Financial Burden Families Face
According to the National Funeral Directors Association (NFDA), the average funeral in the U.S. costs between $8,000 and $10,000. With additional expenses, the total can easily exceed $12,000 or more.
Common end-of-life costs include:
- Funeral Services & Ceremony Fees: $2,000–$4,000
- Casket or Cremation Costs: $1,500–$3,000
- Burial Plot or Vault: $1,000–$2,000
- Medical & Hospice Bills: $2,000–$8,000
- Legal or Probate Fees: $1,000+
- Travel & Memorial Costs: Variable
For many families, these expenses come due within days, often before life insurance or estate funds are available — forcing loved ones to take on debt or dip into savings.
Peace Of Mind For You And Your Family
Final Expense Insurance provides immediate financial relief during one of life's most difficult moments.
With a small, affordable policy, you can:
- Ensure funeral and burial costs are fully covered
- Protect your family from unexpected medical or legal bills
- Avoid passing on debt or financial stress
- Give your loved ones the freedom to focus on healing, not paperwork
Our Trusted
Carriers
What Does Final Expense Insurance Cover?
Funeral Arrangements
- Funeral home service fees
- Embalming and body preparation
- Casket, urn, or cremation container
- Floral arrangements and memorial programs
- Ceremony costs and staff services
Burial or Cremation Costs
- Burial plot or mausoleum space
- Grave opening and closing fees
- Headstone, vault, or grave marker
- Cremation and interment fees
- Transportation for family or remains
Medical and Hospice Bills
Even with Medicare or private insurance, families are often left with out-of-pocket costs from:
- Hospital stays or hospice care
- Medical equipment and prescriptions
- Co-payments or emergency care
Legal and Estate Expenses
- Probate and accounting fees
- Legal documentation and estate filings
- Executor or trustee compensation
Outstanding Debts and Household Bills
- Credit card balances or personal loans
- Utility bills and rent/mortgage payments
- Everyday expenses left behind for surviving family members
Travel and Memorial Expenses
- Airline tickets or lodging for family attending the funeral
- Celebration of life or remembrance gatherings
Benefits Of Final Expense Insurance
Frontline Financial's Final Expense Insurance is built around simplicity, security, and peace of mind. Every policy includes guaranteed protection and lifelong coverage designed to support your family when they need it most.
Below are the key features that make this plan one of the most trusted forms of permanent life insurance.
Lifetime Coverage
Your policy never expires as long as premiums are paid. Final Expense Insurance is a whole life policy, meaning coverage remains active for life — not just a set term.
Fixed Premiums
You'll never have to worry about rising costs. Your monthly payments stay the same for the entire life of your policy, regardless of age or health changes.
No Medical Exam Required
There's no doctor visit or lab work needed to qualify. Most applicants only answer a few basic health questions — fast and easy approval.
Fast Approval Process
Our streamlined application means coverage can start within days, sometimes the same day you apply. No waiting months for a decision.
Builds Cash Value
Over time, your policy builds cash value — money that belongs to you. You can borrow against it if needed or use it to help pay future premiums.
Flexible Payment Options
Choose a payment schedule that fits your budget and lifestyle. Pay monthly, quarterly, or annually — and align with your Social Security deposit date.
Tax-Free Benefit
When the time comes, your beneficiary receives a tax-free lump-sum payment that can be used for any purpose — from funeral costs to paying final bills.
How Much Coverage Do You Need?
Everyone's financial situation and final wishes are unique — but most people are surprised by how quickly end-of-life expenses can add up. When planning for your family's security, consider not only funeral costs, but also medical bills, legal fees, and outstanding debts that may remain after you're gone.
Factors to Consider When Choosing Coverage
- Funeral Preference: Burial or cremation can vary widely in cost.
- Outstanding Debts: Include any medical, legal, or credit card balances.
- Family Support: Will your loved ones need help with daily expenses or travel?
- Existing Insurance or Savings: Subtract any current coverage or funds set aside.
- Legacy Goals: Consider leaving a small cushion for your family's peace of mind.
According to the National Funeral Directors Association (NFDA) and other financial studies, the average cost of a funeral and burial in the U.S. is between $8,000 and $10,000, while cremation averages $6,000–$7,000. Combined with medical and legal expenses, most families face $10,000–$15,000 in total costs.
Here's a closer look at typical end-of-life expenses:
Types Of Final Expense Plans
Not every family's situation is the same — that's why Frontline Financial offers different types of Final Expense Insurance plans, each designed to match your health, age, and budget.
General (Level) Plan
The Level Plan provides full coverage from day one, regardless of how you pass away. It's the most common and straightforward type of final expense insurance — ideal for applicants in good to moderate health.
Key Features
- Immediate full benefit for both natural and accidental death
- Fixed monthly premiums that never increase
- Lifetime coverage — the policy never expires
- Builds cash value over time
- No medical exam, just a brief health questionnaire
Best For:
- Applicants with stable or manageable health conditions
- Seniors who want instant protection for their families
Modified Plan
The Modified Plan offers the same lifelong protection but with a limited payout period during the first few years. Designed for individuals with certain health concerns or higher risk factors.
Key Features
- Partial benefit for the first 2–3 years (graded period)
- Full benefit begins in year 3 for natural causes
- Accidental death is covered immediately at 100% of the benefit
- Simplified application — approval based on health questions
- Premiums remain fixed for life
Best For:
- Applicants with pre-existing or chronic conditions
- Anyone who may have been declined for traditional life insurance
Sample Rates By Age
Your monthly premium for Final Expense Insurance depends on a few simple factors — including age, gender, health, tobacco use, and coverage amount. Even small policies are highly affordable, making it easy to find coverage that fits your budget.
Below are example monthly rates for non-tobacco users in good health.
What Affects Your Final Expense Insurance Cost
- Age – Premiums increase gradually with age, so applying early locks in the lowest rate.
- Gender – Women generally pay slightly less than men due to longer life expectancy.
- Health – Certain medical conditions can affect which plan you qualify for (Level vs. Modified).
- Tobacco Use – Smokers or tobacco users typically pay 20–30% more.
- Coverage Amount – Higher coverage equals higher premiums, but per-dollar rates improve with larger plans.
Your monthly premium for Final Expense Insurance depends on a few simple factors — including age, gender, health, tobacco use, and coverage amount.
Average Monthly Rates by Age
Rates are estimates and vary based on your health, lifestyle, and chosen coverage amount. Locking in your policy earlier can significantly reduce your lifetime premium costs.
How It Works
There are a few steps involved to apply for a Front Line final expense life insurance plan.
Request Your Free Quote
Request a quote or give us a call so we can walk you through all of your life insurance options.
Review Your Options
This can be calculated by looking at your monthly household expenses, immediate needs and potential funeral expenses.
Apply Online Or Call Us
Once you've chosen the right plan, complete a simple application online or over the phone with one of our experienced advisors.
Get Covered
After approval, your policy goes into effect — giving you peace of mind knowing your loved ones are protected no matter what life brings.