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The average funeral costs around $8,300.

Final Expense Store is here to help ease the burden of end-of-life expenses.

Protect Your Family From Unexpected Costs

Support for Your Loved Ones When It Matters Most

Planning ahead is an important part of taking care of your loved ones. Final Expense Whole Life Insurance from Final Expense Store helps cover funeral expenses, outstanding medical bills, or other end-of-life costs — easing the financial burden on your family during a difficult time.

Why Choose Final Expense Whole Life Insurance?

Final Expense Whole Life Insurance is designed to provide a lump-sum payment to your chosen beneficiary when you pass away.

Guaranteed Lifetime Coverage

Your policy remains in force for life, as long as premiums are paid.

Fixed Premiums

Your monthly payments will never increase — no surprises or rate hikes.

Simplified Enrollment

Easy application process with minimal health questions, and often no medical exams.

Financial Peace of Mind

Help protect your loved ones from having to cover end-of-life expenses out of pocket.

Lifetime Protection

Your coverage is guaranteed to last for your entire life, as long as premiums are paid — no cancellations or coverage reductions due to age or health changes.

Fixed, Affordable Premiums

Your premium amount is locked in when your policy begins and will never increase, making it easy to plan your finances without unexpected costs.

No Medical Exam Required

Most applicants qualify with just a few simple health questions — no medical exams, lab work, or lengthy approval processes needed.

Fast and Easy Application

Apply online or over the phone in just minutes. Our streamlined process gets you covered quickly, without hassle or confusion.

Flexible Benefit Amounts

Choose the coverage amount that fits your needs and budget, with options typically ranging from $2,000 to $50,000.

Direct Payout to Your Loved Ones

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Level Benefit Plan

Ideal for individuals in good health, this plan provides immediate full coverage from the first day your policy is active. Premiums stay the same for life, and your loved ones receive the full benefit when it’s needed most.

Graded Benefit Plan

Designed for those with certain health conditions, this plan offers partial coverage during the first few years of the policy. After the waiting period, your beneficiaries will receive the full policy benefit.

Modified Benefit Plan

If you have significant health issues, the Modified Benefit Plan offers an option to still get coverage. It features a waiting period where a limited payout is available, transitioning to full benefits after a few years.

Guaranteed Issue Plan

No health questions, no medical exams — acceptance is guaranteed for eligible ages. This plan is perfect for those who may have been turned down for other types of life insurance.

How Much Final Expense Coverage Do I Need?

Choosing the right amount of coverage depends on your personal needs and the financial legacy you want to leave behind. Here are a few key factors to consider:

Funeral and Burial Costs

The average funeral can cost anywhere from $7,000 to $12,000 or more, depending on the services you choose. Make sure your coverage can comfortably cover these expenses.

Medical Bills

If you have unpaid medical expenses or long-term care costs, it's a good idea to factor these into your coverage amount to avoid passing debts on to your family.

Outstanding Debts Costs

Think about any remaining credit card balances, personal loans, or other financial obligations that could impact your loved ones.

Additional Financial Support

Some people choose to leave extra funds for family needs, such as helping with mortgage payments, education costs, or simply providing financial breathing room during a difficult time.