Insurance
Final Expense Insurance: What It Costs and What to Check
Published September 24, 2026 · Last updated September 26, 2026
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The short answer
Final expense insurance is a small life insurance policy. It helps pay for a funeral and other end-of-life bills. A funeral with a viewing and burial had a median cost of about $8,300 in 2023.
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What affects your final expense insurance price
What funerals cost
- Funeral with viewing and burial: about $8,300 (median, 2023)
- Funeral with viewing and cremation: about $6,280 (median, 2023)
These are funeral costs, not insurance prices. Your insurance price comes from the insurance company. Source: National Funeral Directors Association, 2023.
What moves the insurance price
- Your age. Prices go up the older you are when you buy.
- Your health. Some policies ask health questions. Others don't.
- How much coverage. These policies are small, often just enough for a funeral.
- The type of policy. "Guaranteed" policies don't ask health questions but cost more and often have a waiting period.
What to ask before you choose
- "Is there a waiting period?" Many no-health-question policies only pay the full amount if death happens after the first 2 years. Before that, they may just return what you paid.
- "Will my price ever go up?"
- "How much will I pay in total over time?" If you live a long time, you might pay in more than the policy pays out.
- "Who gets the money?" You name a beneficiary. They can use it for any bill, not just the funeral.
- "Can I get a regular term or whole life policy instead?" If you're healthy, it may cost less.
The catch: compare the total you'll pay against simply saving the money. And know your rights: the FTC's Funeral Rule says funeral homes must give you an itemized price list. You can pick only what you want.
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Sources
- National Funeral Directors Association, 2023 General Price List Study
- FTC, The Funeral Rule