ProtectYourFamilyFromtheUnexpected
No one wants to think about it — but planning ahead is one of the most loving things you can do. Final expense insurance ensures your family isn't left with a financial burden during an already difficult time.
What Is Final Expense Insurance?
Final expense insurance — sometimes called burial insurance or funeral insurance — is a type of whole life insurance designed specifically to cover the costs associated with end-of-life expenses.
Unlike traditional life insurance, final expense policies have smaller coverage amounts (typically $5,000 to $25,000), simplified underwriting, and are specifically designed for seniors between the ages of 50 and 85.
The death benefit is paid directly to your beneficiary, tax-free, and can be used for any purpose — funeral costs, outstanding medical bills, credit card debt, or simply helping your family with everyday expenses.
Affordable Premiums
Final expense policies are designed to be budget-friendly, with fixed premiums that never increase. Most plans range from $30 to $70 per month.
Guaranteed Acceptance Options
Many final expense plans offer guaranteed acceptance for applicants ages 50–85, regardless of health conditions. No medical exams required.
Coverage That Never Expires
Unlike term life insurance, final expense is permanent coverage. As long as you pay your premiums, your policy stays in force for life.
Protect Your Loved Ones
Benefits are paid directly to your beneficiary, tax-free. They can use the funds for any purpose — funeral costs, medical bills, or everyday expenses.
How Final Expense Insurance Works
Getting covered is straightforward. Here's what to expect when you work with Serenity Insurance Group.
Choose Your Coverage Amount
Most final expense policies range from $5,000 to $25,000. We'll help you determine the right amount based on your needs and budget.
Simple Application Process
No medical exams. Most applications can be completed in a single phone call or meeting. Approval is often immediate.
Lock In Your Rate
Once approved, your premium is locked in for life. It will never increase, regardless of changes to your health.
Peace of Mind — Guaranteed
Your loved ones receive a tax-free death benefit to cover final expenses. No burden, no financial stress during an already difficult time.
Final Expense FAQ
The PolicyNest Advantage
As a Serenity client, you will manage all your policies — including your final expense coverage — through your complimentary PolicyNest portal.
Ready to Protect Your Family?
Schedule a free, no-pressure review with Michael Bond. We will help you find the right coverage at a price that fits your budget.