🎯 How to Choose the Right Final Expense Insurance Policy

(Without Falling Asleep)

Let’s be real: nobody wakes up excited to talk about funeral costs and final expense insurance.
But guess what? If you learn it now, you could save your family a TON of money, headaches, and unnecessary stress later.

It’s one of the smartest and most loving moves you can make.

So, let’s make this simple (and maybe even a little fun).
Here’s everything you need to know to pick the right final expense policy without feeling overwhelmed. Ready? Let’s go!

First Things First: What Are the Costs Involved in a Funeral?

Before we jump into picking a policy, it’s important to know what you’re actually planning for.

Here’s the truth most people don’t realize:
Funerals are expensive. Like, REALLY expensive.
The average funeral in the U.S. costs between $7,000 and $10,000 depending on where you live and what services you choose.

Typical Funeral Costs Breakdown:

Basic service fee (what you pay the funeral home just to handle things): $2,000+
Transportation of your loved one: $500+
Embalming & body prep (for viewings): $750+
Casket (yes, they can be outrageously priced!): $2,500+
Burial plot: $1,000 to $4,000 depending on location
Headstone: $1,000+
Flowers, obituaries, programs, little things: $500+

Bottom Line: Even a very simple funeral adds up FAST.
If you don’t plan ahead, your family could be scrambling to find money they don’t have. (And trust me — that’s the LAST thing you want.)

So… What Exactly Is Final Expense Insurance?

Final expense insurance is basically life insurance’s cool, more relaxed cousin.
Instead of a huge million-dollar payout, it’s designed to cover funeral costs, medical bills, and other final expenses — without overcomplicating things.

Key Point:
Final expense insurance typically gives you coverage amounts between $5,000 and $25,000 — just enough to cover funeral costs and leave a little extra for your family.

How to Pick the Perfect Final Expense Policy (Without Stress)

Okay, now let’s dive into the fun part:
How do you pick the RIGHT policy for YOU?

Step 1: Know How Much You’ll Need

Think about what you want:

Big traditional funeral? Cremation and celebration of life? Something simple and beautiful?
Add up a rough estimate based on today’s prices.
Then add a cushion (because inflation is real, my friend).

Pro Tip:
Most people feel comfortable with coverage between $10,000 and $20,000.

Step 2: Choose Between Two Main Types

1. Simplified Issue Final Expense

No medical exam, just some basic health questions.
Cheaper if you’re in pretty good health.

2. Guaranteed Issue Final Expense

NO health questions. Everyone gets approved.
Costs a little more and sometimes has a 2-year waiting period before full payout.

Which one’s better?
If you’re reasonably healthy — go simplified issue and save $$$.

How to Choose the Right Final Expense Insurance Policy for You