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What is final expense coverage?
Final expense coverage is life insurance designed to help your family handle practical costs after you pass away.
For many families, that means funeral or cremation expenses. For others, it may also include burial costs, medical balances, unpaid bills, small debts, family travel, or a little extra money left behind for loved ones.
The right amount is not the same for everyone. Some people only want enough to cover basic funeral costs.
01
Get Starting Amount
Start with funeral, burial, final bills, savings, and existing coverage.
Others want a larger cushion so their family has fewer financial decisions to make during a difficult time.
This 10-slide guide is meant to help you slow down and think through the need before comparing policies. Instead of guessing at a coverage amount, you can start by looking at the expenses your family may actually face.
This guide will help you consider:
• What final expense insurance is commonly used for
• Which costs your family may need help covering
• How debts, bills, and family needs affect the amount
• Why affordability matters when choosing coverage
• How to use the calculator below as a more personal planning tool
After the guide, you’ll find a simple calculator where you can adjust the numbers yourself.
Move the bars for funeral service, burial or cremation, debts, and money left for family. The calculator then gives you a starting estimate you can use before reviewing real coverage options. This is not about choosing the highest number. It is about finding a practical amount that makes sense for your family, your budget, and your goals.
NEXT STEP
You Have a Coverage Amount. Now Estimate the Cost.
02
Estimate the cost
Use your coverage amount to see monthly quote price examples.
03
Review real options
Compare company options with a free quote review with Cortland
You know the coverage you need, so now head to step 2 and learn about the cost.
01
Get Starting Amount
Start with funeral, burial, final bills, savings, and existing coverage.
No cost to talk.
No obligation to apply.
I’ll tell you if coverage does not appear to make sense.
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