If Social Security or a pension is your primary income, an unexpected funeral bill can wipe out an emergency fund overnight. Right-sized final expense coverage locks in a small, predictable premium so your family isn't left with a five-figure bill.
Available regardless of income. Premiums do not count against Social Security, Medicare, or Medicaid eligibility.
Covers a modest funeral. Premiums often under $40/month.
Covers funeral plus small debts. The most common choice for fixed-income seniors.
No health questions — perfect if you've been declined before.
For a healthy 60-year-old woman, a $5,000 policy can start around $20/month. Rates rise with age, coverage amount, and health.
Small final expense policies (usually under $10,000) are exempt from Medicaid asset limits in most states. A licensed agent can confirm for your state.
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