Side-by-side, data-backed comparisons to help you pick the coverage that fits your life.
Final expense and term life are two very different products designed for very different life stages. Term life is a large, temporary safety net for working-age adults with dependents. Final expense is a small, permanent policy designed to cover funeral costs for seniors. Choosing correctly can save you hundreds per month.
Read guide'Burial insurance' and 'funeral insurance' are almost always the same product — a small whole life policy also called final expense. But a separate product called 'pre-need funeral insurance' works very differently, and confusing the two can cost you thousands.
Read guideThe right amount of final expense coverage depends on funeral costs in your state, any small debts you'd like paid off, and how much financial cushion you want to leave your family. Most people land between $10,000 and $25,000.
Read guideFinal expense insurance is actually a type of whole life insurance — just designed for smaller amounts, older applicants, and simplified underwriting. Full-sized whole life is a much larger policy typically bought earlier in life for legacy or estate planning.
Read guideBoth simplified-issue and guaranteed-issue final expense policies skip the medical exam. The key difference is that simplified-issue asks health questions (and can decline you), while guaranteed-issue asks none and cannot decline. This trade-off affects both price and how quickly you're fully covered.
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