Products
Final Expense Life Insurance
Protection for when your family needs it most.
Affordable coverage designed to help your family, loved ones, or beneficiaries manage final expenses during a difficult time.
What Is Final Expense Life Insurance?
Final Expense Life Insurance, also known as burial or funeral insurance, is designed to help cover expenses after you pass away.
The death benefit can help your beneficiaries with funeral and burial costs, medical bills, credit card balances, and other final expenses.
Coverage is generally designed to last your lifetime as long as policy requirements are met.
Key Benefits
No Medical Exam Options
Many Final Expense policies don't require a medical exam, although health questions may apply.
Affordable Coverage
Smaller coverage amounts can make Final Expense Insurance an affordable option, including for those on a fixed income.
Simple Application
Applications are generally straightforward, with some policies offering faster approval than traditional life insurance.
Who Should Consider Final Expense Insurance?
Final Expense coverage may be worth considering if you:
- Want help covering funeral or burial expenses
- Don't want beneficiaries paying final expenses out of pocket
- Have limited savings set aside for end-of-life costs
- Want additional coverage alongside an existing life insurance policy
- Prefer coverage with no medical exam options
How Does Final Expense Insurance Work?
Choose Your Coverage
Consider funeral costs, medical bills, debts, and other expenses you don't want to leave behind.
Apply
Depending on the policy, you may only need to answer a few health questions. No-medical-exam options may also be available.
Stay Covered
Pay the required premiums to keep your policy in force.
Protect Your Beneficiaries
When you pass away, your beneficiaries receive the policy's death benefit and can generally use the proceeds for their financial needs.
Get Your Free Quote
Choosing the right coverage doesn't have to be complicated. A RIPE Insurance agent can help you explore Final Expense options and find coverage that fits your needs and budget.
*Policy availability, eligibility, premiums, coverage amounts, waiting periods, benefits, and underwriting requirements vary by carrier and product. Some policies may include graded or limited death benefits during an initial period.