Final Expense Insurance
Made Simple
What is final expense?
Final expense refers to the costs that arise when a loved one passes away — sometimes unexpectedly. Many families are not financially prepared for these expenses, which can include, cremation costs, funeral traditional costs as well as related bills. These expenses can quickly add up and create unnecessary stress.
Final Expense Insurance, also known as Burial Insurance, is a Whole Life Insurance Policy that helps cover these essential costs so your family can focus on what matters most — peace of mind and remembrance.
Why Choose Final Expense Insurance?
A Whole Life Insurance policy designed to protect your family — with fast approval, affordable rates with options for nearly every budget, no two year waiting period in most cases
key benefits
Simple to Get
- No medical exam
- Easy application
- Most health conditions accepted
Affordable & Predictable
- Coverage starting at $1/day
- Premiums never increase
- Builds Cash Value
Peace of Mind
- Covers Funeral, Burial or Cremation
- Up to $50,000 Death Benefit
- Pays Directly to Beneficiaries
What Does Final Expense Insurance Cover?
From simple cremation to full traditional services, understanding the average costs helps you make confident, stress-free choices.
cremation options
Cremation offers families flexibility and affordability. Costs vary depending on whether you choose a simple service or include a ceremony or viewing.
Direct Cremation
$1,000 - $3,000
The most economical option — includes only the basic cremation process with no ceremony.
Cremation memorial
$3,000 - $6,000
Includes a cremation plus a separate memorial gathering at a later date, often with photos and ashes present.
cremation with viewing
$5,000 - $8,000
Includes a full traditional viewing before the cremation, requiring embalming and use of a rental casket.
Final expenses for cremation can vary widely depending on location and choices made by the family. Planning ahead with a Final Expense policy helps ensure funds are available for any arrangement you choose. Prices above do not include the disposition of the ashes
Traditional costs
Traditional funeral services can involve a variety of costs, from the funeral home to the cemetery plot. Here’s a breakdown of common expenses families face.
funeral home services
$5,000 to $8,000
This includes the basic funeral service fees such as the funeral director’s time, the use of the chapel, embalming, transportation, and paperwork. Costs vary per location
cemetery Plot
$20,000 or more
The cost of a cemetery plot can vary significantly depending on location. In Los Angeles, prices for a plot for two people can easily exceed $20,000
additional costs
$4,000 or more
Other expenses can include Opening & Closing Fees, around $2,500, Headstone, $1,500, depending on the day chosen for the ceremony, other expenses may apply
Final expenses for traditional services can vary widely depending on location and choices made by the family. Planning ahead with a Final Expense policy helps ensure funds are available for any arrangement you choose. Prices above are for informational purpose only
sample rates
Below are sample rates for non-smokers age 50, immediate coverage, graded policies available, rates not shown
| Death Benefit | Female | Male |
|---|---|---|
| $10,000 | $24.31 | $30.68 |
| $15,000 | $34.86 | $44.42 |
| $20,000 | $45.41 | $58.15 |
| $25,000 | $55.96 | $71.89 |
| $30,000 | $66.51 | $85.63 |
*Sample rates for immediate coverage. In some cases, a 2-year waiting period may apply.
Why Families Choose Bonanza Insurance Services
- Easy to Compare quotes
- Licensed Agents Available if Needed
- No high-pressure sales
- Fast, secure, easy application process
Frequently Asked Questions
Protect Your Loved Ones Today
It’s Simple, easy and Affordable
Not Sure How Much? We Are Here to Help.
By providing your phone number and/or email, you agree that Francisco Marroquin, Broker at Bonanza Insurance Services and its licensed agents may contact you by phone, text message, or email regarding insurance products and services. Consent is not a condition of purchase. Standard message and data rates may apply
Bonanza Insurance Services is an independent insurance agency. We work with multiple top-rated carriers to help you compare coverage options. Quotes provided are for informational purposes only and are not a contract, binder, or guarantee of coverage. Actual premiums, terms, and policy approval are subject to underwriting by the selected insurance carrier. We respect your privacy and will never sell your personal information.