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What is final expense insurance?

Final expense insurance is most often a type of permanent life insuranceused to cover medical costs and other end-of-life expenses, most often funeral and burial costs including services, items (like a casket and hearse), and/or cremation.

Permanent life insurance does not expire and is more expensive per unit of coverage than term life insurance, which runs for a specified amount of time before ceasing. Permanent life insurance remains in force for as long as the premiums are paid.

Permanent life insurance policies carry a cash value. This value builds up over the life of the policy, similar to an investment, and is paid out as part of the death benefit when you die.