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Final Expense Insurance Cost

Final expense insurance can come in handy if you’d like to ensure your loved ones have the funds to help cover your end-of-life expenses, such funeral costs and medical bills. Fortunately, it comes with less expensive premiums, especially if you’re younger and in reasonably good health. Aflac offers final expense whole life insurance with coverage that can help give you peace of mind. Read on to learn more about final expense insurance and its cost to decide if this type of policy is right for you:

How final expense insurance works

Also known as burial or funeral insurance, final expense insurance is designed to help pay for final expenses your family may face upon your passing. These might include burial and funeral costs, medical bills, and in-home care.1

Compared to traditional life insurance policies, final expense insurance usually features a smaller death benefit. As a result, this policy can be a more reasonable option. Aflac is pleased to offer final expense insurance at those rates.

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How much does final expense insurance cost?

Final expense insurance offers fixed premiums that do not change over time. Request a quote from Aflac today.

How final expense insurance costs are determined

These factors will likely impact the price you’ll pay for a final expense insurance policy:2


As with any life insurance policy, the older you are, the higher your premiums will be. For example, you’ll pay more if you’re 80 than if you’re 60.


Research shows that women live longer than men. Therefore, your rates might be less if you’re a woman buying a final expense policy.


You’ll need to answer several health questions when you apply for final expense insurance. The better your health is, the more affordable premiums you can expect.

Type of policy

The price you’ll pay for premiums can also depend on the life insurance company and coverage amount you choose.

Smoking habits

Smokers typically have shorter lifespans than non-smokers. If you smoke, you’ll be classified as higher risk and, in turn, pay more for final expense insurance.

Is final expense insurance right for me?

Here are several situations where you may want to consider final expense insurance:

If you want to cover final expenses

You should consider final expense insurance if your primary goal is to help beneficiaries cover final expenses upon your passing. This can help alleviate the financial burden loved ones may face.1

If you only need a small amount of coverage

Death benefits for final expense policies are typically low. If you only need a small amount of coverage, this type of life insurance may be your best bet.

If you don’t want to take a medical exam

A final expense policy doesn’t usually require a medical exam.1 All you have to do to apply is answer a few questions about your health. This makes final expense insurance great for those that would prefer to skip the exam, whether you’re in poor health or would feel uncomfortable taking an exam.

Get a quote for Aflac final expense life insurance

Final expense insurance can be worthwhile if you’d like the peace of mind of knowing your end-of-life expenses will be covered should you suddenly pass away. It can allow your loved ones to grieve rather than worry about finances.

Aflac offers final expense whole life insurance you might want to consider. You can enjoy lifelong coverage at reasonable rates and even build cash value. Start chatting with an agent today for a quote or more information.

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