Plan ahead, so your family is not left with the bill.
Final expense insurance is a small whole life policy meant to help pay for a funeral and other end-of-life costs. A licensed GracePoint agent can walk you through your options in plain language, at no cost and with no obligation.
- Free quote from a licensed insurance agent
- No obligation to buy anything
- Options explained clearly, at your pace
Request your free quote
It takes about a minute. A licensed agent will follow up with you.
What is final expense insurance?
Final expense insurance, sometimes called burial insurance, is a type of whole life insurance with a smaller benefit amount than a traditional life policy. It is designed for one purpose: to leave your loved ones money for the costs that come at the end of life.
When the insured person passes away, the policy pays a cash benefit to the beneficiary they chose. That person can use the money however it is needed most.
Coverage amounts, premiums and eligibility depend on your age, health, state and the plan you choose. Your agent will explain exactly what each option includes before you decide anything.
Good to know
Many plans can be applied for by answering health questions, without a medical exam. Some applicants may qualify only for plans with a waiting period or a graded benefit in the first years.
An agent can tell you which plans you may be eligible for.
What the benefit can help pay for
The benefit is paid to your beneficiary, who decides how to use it. Families commonly use it for costs like these.
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Funeral service
Funeral home fees, a service or memorial, and related arrangements.
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Burial or cremation
A casket or urn, a cemetery plot, a headstone, or cremation costs.
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Medical bills
Remaining hospital, hospice or care bills that insurance did not cover.
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Small debts
Everyday obligations left behind, such as a credit card or utility balance.
How it works
Three simple steps, and you are never under pressure to buy.
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Tell us about yourself
Fill in the short form above or call us. We only ask for what an agent needs to start.
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Talk with a licensed agent
An agent licensed in your state reviews your needs and budget, and explains the plans you may qualify for.
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Decide in your own time
Choose a plan that fits, or choose nothing at all. The quote is free and the decision is yours.
Why families talk to GracePoint
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Licensed agents
You speak with an insurance agent who is licensed in the state where you live.
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Plain language
We explain what a policy covers, what it does not, and what it costs, without jargon.
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No obligation
Asking for a quote does not commit you to anything. Take the time you need.
Where we serve
GracePoint Group currently helps residents of nine states.
- Alabama
- Georgia
- Louisiana
- Michigan
- Mississippi
- North Carolina
- Ohio
- Tennessee
- Texas
Not every product is available in every state.
Common questions
Who is final expense insurance for?
It is most often chosen by older adults who want to set aside money for their funeral and final bills, so that family members do not have to cover those costs themselves. Age limits vary by plan and insurance company.
Do I need a medical exam?
Many final expense plans do not require a medical exam and are applied for by answering health questions. Approval is not guaranteed, and the plans available to you depend on your answers, your age and your state.
How much coverage do people usually choose?
That depends on the arrangements you have in mind and any bills you expect to leave behind. Your agent can help you estimate an amount that suits your wishes and your budget.
Will my premium go up as I get older?
Final expense policies are generally whole life insurance, which is typically designed with a level premium for as long as the policy stays in force. Ask your agent to confirm the terms of any specific plan before you apply.
Is this a government or Medicare program?
No. GracePoint Group, LLC is a private insurance agency. We are not affiliated with or endorsed by Medicare, Social Security or any government agency.
What happens after I send the form?
A licensed agent will contact you by phone, text or email to go over your options. There is no cost for the quote and no obligation to buy.
Ready to see your options?
Request a free quote online, or call and speak with a licensed agent directly.