FINAL EXPENSE INSURANCE
Help Protect Your Loved Ones From the Financial Burden of Final Expenses
Final expenses can create a financial burden for the people you leave behind. Final Expense Insurance is designed to provide a permanent life insurance benefit that can help your loved ones handle eligible expenses after your death.
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Whether you're planning ahead for funeral expenses, medical bills, outstanding debts, or other final costs, the right coverage can help provide your family with financial support when they need it most.
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With JRF Services, you can explore your options online or speak with a licensed insurance agent before deciding how you want to move forward.
PLAN AHEAD. PROTECT THE PEOPLE YOU LOVE.
Final expenses shouldn't become your family's financial responsibility.
When a loved one passes away, family members may be dealing with emotional loss while also trying to manage unexpected financial responsibilities.
Final Expense Insurance can provide a dedicated source of life insurance protection that may help your beneficiaries handle eligible expenses and financial obligations.
Planning ahead gives you the opportunity to make decisions about your coverage now—rather than leaving your loved ones to figure everything out later.
IS FINAL EXPENSE COVERAGE RIGHT FOR YOU?
A simple way to plan for expenses your loved ones may otherwise have to handle.
Final Expense Insurance may be worth considering if you want to leave your family with financial resources to help address expenses after your death.​
It may be a good fit for people who:
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Want to plan ahead for funeral or burial expenses
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Want to help reduce the financial burden on family members
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Want permanent life insurance protection
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Want coverage that can remain in force as long as the policy remains active
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Want to leave money to beneficiaries for eligible expenses and other financial needs
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Prefer a straightforward life insurance solution
Coverage, eligibility, premiums, benefits, and underwriting requirements vary by policy and state.
HELP COVER THE EXPENSES THAT MATTER
Your life insurance benefit can give your beneficiaries financial flexibility when they need it.
Final Expense Insurance isn't necessarily limited to one specific type of expense. Depending on the policy and how the benefit is used, beneficiaries may use the proceeds to help address a variety of financial obligations.
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Potential expenses may include:​​​​​​​​​​
Funeral & Burial Costs
Funeral, burial, cremation and related expenses.
Medical Expenses
Outstanding medical or healthcare-related bills.
Household Expenses
Mortgage, rent, utilities and other household obligations.
Personal Debts
Credit cards, personal loans and other outstanding balances.
Transportation Expenses
Auto loans and other transportation-related obligations.
Other Financial Needs
Additional expenses your beneficiaries may face after your death.
PERMANENT PROTECTION WITH A SIMPLE PURPOSE
Build a plan today that can help provide financial support for your loved ones later.
Final Expense Insurance is generally structured as a form of permanent whole life insurance.
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Unlike temporary coverage that is designed to last for a specific term, permanent life insurance is designed to remain in force for your lifetime as long as the policy requirements are met.
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Depending on the policy, coverage may include:
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A death benefit for your beneficiaries
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Premiums that are designed to remain level
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Coverage that does not decrease as you age, subject to the policy terms
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Cash value accumulation
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Potential additional benefits or riders
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Coverage designed specifically for long-term financial planning
Always review the individual policy contract for the exact benefits, limitations, exclusions and requirements.
FEATURES DESIGNED FOR LONG-TERM PROTECTION
The right policy can provide predictable protection and financial value.
Depending on the policy you qualify for, Final Expense Insurance may offer features such as:
Level Premiums
Premiums may be designed to remain level according to the policy terms.
Permanent Coverage
Coverage is designed to remain in force for life as long as policy requirements are met.
Death Benefit
Your beneficiaries receive the policy's death benefit according to the contract.
Cash Value
Some whole life policies accumulate cash value over time.
Flexible Financial Support
Beneficiaries may have flexibility in how the death benefit is used, subject to applicable law and policy terms.
Optional Riders
Additional benefits may be available depending on your age, eligibility and policy.
CHOOSE HOW YOU WANT TO GET STARTED
Online when you want convenience. Personal guidance when you want help.
JRF Services gives you more than one way to explore Final Expense Insurance.
NOT READY TO APPLY?
That's okay.
You can review the information, request a brochure, or speak with an agent before making a decision.
GET STARTED IN FOUR SIMPLE STEPS
Explore your options, get your quote and choose the path that's right for you.
STEP 1
1. EXPLORE YOUR OPTIONS
Learn how Final Expense Insurance works and determine what you want your coverage to accomplish.
STEP 2
2. GET A QUOTE
Request an online quote based on your information and available eligibility.
STEP 3
3. APPLY ONLINE OR TALK WITH AN AGENT
Choose the online process or speak with a licensed insurance agent before applying.
STEP 4
4. REVIEW YOUR COVERAGE
Before purchasing, review your policy documents carefully so you understand the benefits, premiums, exclusions and requirements.
FINAL EXPENSE INSURANCE QUESTIONS?
Here are answers to some of the questions people ask before applying.
What is Final Expense Insurance?
Final Expense Insurance is generally a type of permanent life insurance designed to provide a death benefit that can help beneficiaries address funeral costs and other financial obligations after the insured's death.
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Is Final Expense Insurance the same as whole life insurance?
Final Expense Insurance is commonly structured as whole life insurance, but available products and policy features vary. Review the specific policy for its benefits and requirements.
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What can the death benefit be used for?
Depending on applicable law and the policy structure, beneficiaries generally have flexibility in how life insurance proceeds are used. They may use the benefit to help address funeral expenses, medical bills, debts, household expenses and other financial needs.
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Does Final Expense Insurance build cash value?
Many whole life policies are designed to build cash value over time. The amount and availability depend on the specific policy.
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Do premiums increase as I get older?
Some whole life policies are designed with level premiums. The exact premium structure depends on the policy you purchase.
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Can I get Final Expense Insurance without a medical exam?
Some final expense policies may use simplified underwriting or may not require a traditional medical exam, but eligibility and underwriting requirements vary.
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How much Final Expense coverage should I buy?
That depends on your anticipated expenses, debts, financial goals and budget. A licensed insurance agent can help you evaluate available options.
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Can I apply for Final Expense Insurance online?
Yes, if an online application is available for the coverage for which you qualify. You can also choose to speak with a licensed insurance agent.
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