Final Expense Plans
Smaller, whole-life policies designed to cover funeral, medical, and end-of-life costs so loved ones aren't left with the bill.
Overview
Final expense insurance is a whole-life policy with a modest death benefit — typically $5,000 to $50,000 — designed specifically to cover funeral, burial, medical, and other end-of-life costs. Premiums are level for life, the benefit is guaranteed, and coverage builds cash value over time.
Because the face amount is smaller, underwriting is simplified and often guaranteed-issue, making coverage available to older applicants and those with health concerns who may not qualify for larger policies.
The goal is simple: spare your family a financial decision during an emotional moment, and keep those costs from being paid out of an estate or passed to surviving children.
Key Benefits
- Guaranteed level premiums for life
- Simplified or guaranteed-issue underwriting
- Cash value that grows over time
- Prevents end-of-life costs from burdening family
Interested in Final Expense Plans?
Share a few details and a Lionheart advisor will reach out to answer your questions and see if final expense plans fits your plan.
Related Services
Term Life Insurance
The most affordable way to replace your income for a set period — so a mortgage, tuition, and everyday bills are covered if you're not.
Learn moreIndex Universal Life Insurance
Permanent coverage that builds cash value tied to market indexes — with a floor that protects your money in down years.
Learn more