Seguro de vida para gastos finales
Affordable whole life insurance to help cover cremation, burial, and final expenses — without financial stress for your family
What is final expense?
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.
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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.
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, your final wishes can be honored without leaving your family with unexpected costs. A final expense (whole life) policy gives you flexible, affordable protection for any end-of-life plan.
Final expense insurance is designed to support any choice you make — whether that’s a simple cremation, a memorial service, or a traditional burial. Your benefit amount can be customized to match your plans and your budget, giving your family clarity and peace of mind.
Recommended Coverage for Common Final Wishes
Cremation
$5,000 - $10,000
The Death Benefit of whole life insurance policy is payable to your beneficiaries, you can have more than one beneficiary
Traditional Service
$15,000 - $30,000
A Whole Life Insurance policy is the most affordable way to take care of these expenses,
gifts - other expenses
up to $50,000
A Whole Life Insurance Policy offers you the opportunity to get up to $50,000 death benefit without any medical exam
Get an Instant Quote Based on Your Age & Health
Just answer a few simple questions — no contact info required.
how it works
Applying for coverage is as easy as 1, 2 , 3
Get a quote
Answer a few simple questions. No doctors, no needles.
customize your coverage
Choose a benefit amount from $5,000 up to $50,000 to fit your budget.
Instant Peace of Mind
Your rate is locked in forever. Your family is protected.
Do not leave for tomorrow what you can do today
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.
Whole life Insurance for final expenses is affordable and easy to obtain
Get your free quote now
trusted by top carriers
We work with several well-known life insurance companies to offer you the best rates available and find you adequate coverage even with some health conditions
frequently asked questions
What is Final Expense Insurance?
Final expense insurance is a type of whole life insurance designed to help cover end-of-life costs such as funeral services, cremation, burial, and related expenses. It provides a tax-free death benefit to your beneficiaries.
How is Final Expense Insurance different from a pre-need plan?
A pre-need plan is arranged directly with a funeral home and typically covers specific services. Final expense insurance provides cash to your beneficiaries, giving them flexibility to choose cremation, burial, or other arrangements when the time comes.
Do I need a medical exam to qualify?
Most final expense policies do not require a medical exam. In many cases, approval is based on simple health questions, and guaranteed issue options are available for those with health concerns.
How much coverage do I need for cremation or burial?
Coverage needs vary by preference and location. Many families choose between $5,000 and $15,000 for cremation or modest services, while traditional burials may require $15,000–$30,000 or more.
Can I choose how the money is used?
Yes. Final expense insurance pays a cash benefit directly to your beneficiary, who can use it for funeral services, cremation, burial, medical bills, or other final expenses.
Will my premiums increase over time?
No. Final expense and whole life insurance policies typically have level premiums, meaning your payment stays the same for the life of the policy as long as premiums are paid.
Is the coverage permanent?
Yes. Final expense insurance is a form of whole life insurance, which means coverage lasts for your lifetime and does not expire.
How quickly does coverage start?
Many policies offer immediate coverage once approved. Some plans may have a graded or waiting period depending on health history, which will be clearly explained before enrollment.
Who receives the death benefit?
You choose the beneficiary. You can have more than one beneficiary. The death benefit is paid directly to them, typically tax-free, to help handle final expenses and other needs.
Is there any obligation to buy when I request a quote?
No. Getting a quote is free, fast, and does not require commitment. You can review options and decide what works best for you and your family.
Still Have Questions About Your Final Expense Options?
If you’re not sure how much coverage you need, we’re here to help.
Send us your question below and please tell us the best time to call you
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.