Final Expense & Burial Insurance

Western Wind Insurance & Investments is here to help you prepare for some of life's most difficult moments. Plan ahead to replace stress and uncertainty with peace of mind.

Protect Your Family from Unexpected Costs

Losing a loved one is never easy, and during that time families are often faced with the stress of immediate costs like funeral services, cremation or burial, and even unpaid medical bills. Final expense insurance helps take care of those costs, so your family isn’t left scrambling financially when they are already facing an emotionally difficult time.

Why Consider Final Expense Insurance?

A funeral today can cost anywhere from $7,000 to $15,000 or more, once you include the service, casket, burial plot, headstone, flowers, and transportation. These costs often need to be paid quickly, and without a plan in place they could fall on loved ones who are already dealing with grief.


Final expense insurance (also called burial insurance) is a small life insurance policy designed specifically to cover these costs. It’s a simple way to spare your family from unexpected financial strain. 


Benefits are commonly used to:



  • Cover funeral, burial, or cremation expenses
  • Pay off medical bills, debts, or legal fees

How It Works

Final expense insurance is generally available to people between the ages of 50 and 85, with coverage amounts typically ranging from $5,000 to $25,000. 


These policies are:



  • Permanent, meaning they don’t expire as long as you pay your premiums
  • Affordable, with fixed monthly rates
  • Easier to qualify for than traditional life insurance
  • Often available with no medical exam, just a few health questions


Once you pass away (typically up to the age of 100), the tax-free cash benefit is paid to your chosen beneficiary, who can use it for any purpose.

Final Expense Insurance FAQ

  • Is final expense insurance the same as life insurance?

    It is a type of life insurance, but much simpler and smaller in scope. It’s designed specifically to cover funeral and end-of-life expenses, while term or permanent life insurance often covers larger financial needs like mortgages or income replacement.

  • What can the money from a final expense policy be used for?

    Anything your beneficiary needs — funeral costs, cremation, medical bills, credit card debt, or even a memorial donation. The benefit is paid in cash, directly to your loved ones.

  • Do I need a medical exam to qualify?

    Many policies do not require a medical exam, especially if the benefit amount is under $25,000.

  • Can I get coverage if I’m older or have health issues?

    In many cases, yes. Final expense insurance is more accessible than traditional policies, and some plans offer guaranteed acceptance for individuals up to age 85.