Plain answers about final expense coverage, in one free call.
A funeral and the last bills can cost a family thousands of dollars. FamilyCoverLine connects you with a licensed insurance agent who explains your options in plain English, so you can decide what is right for you.
Mon–Fri, 9am–6pm ET · Calling connects you with a licensed insurance agent. Free call, no obligation to buy.
What final expense coverage is
Final expense insurance (often called burial insurance) is a small whole life insurance policy. When you pass away, it pays a cash benefit to the person you choose. Your family can use the money for the funeral, burial or cremation, medical bills or anything else.
- Benefits are usually smaller than regular life insurance, commonly a few thousand dollars up to about $25,000, depending on the insurer.
- Many plans are made for adults between about 50 and 85.
- Many plans have no medical exam. Most ask a few health questions.
- With many whole life plans, the premium stays the same and the coverage does not run out as long as you pay.
Every plan is different. The agent will tell you what applies to you. Read the full guide.
How it works
- Call the number on this page. The call is free.
- Talk to a licensed agent. Answer a few simple questions about your age, your state and your health.
- Hear your options and the price. There is no obligation. Take your time and talk it over with your family.
Good to have ready: your ZIP code, your date of birth and a rough idea of what you could pay each month.
Mon–Fri, 9am–6pm ET · Calling connects you with a licensed insurance agent. Free call, no obligation to buy.
Questions people ask before they call
Is FamilyCoverLine an insurance company?
No. FamilyCoverLine is a free referral service. We connect you with licensed insurance agents. We don't sell insurance ourselves.
Does the call cost anything?
No. The call is free and you don't have to buy anything.
Is this a government program?
No. FamilyCoverLine is not affiliated with any government agency. Final expense coverage is private life insurance with a monthly premium.
How much does coverage cost?
That depends on your age, your health, your state and the amount of coverage. The agent can tell you the exact price on the call.
Can I be turned down?
Some plans ask health questions and the insurer decides. For people with serious health issues there are plans without health questions; these usually have a waiting period before the full benefit is paid.
Can I call for a parent?
Yes. If you call for someone else, it helps to have them with you, because the agent needs their answers and their consent.