--- title: What is Final Expense Insurance? description: As we age, we being to consider the costs of end of life. If you're older and health isn't so great, using Final Expense insurance can help cover costs. image: https://www.insurancefortexans.com/hubfs/what%20is%20final%20expense%20insurance.png --- ![IFTWebHeader-1-1](https://www.insurancefortexans.com/hs-fs/hubfs/Insurance_For_Texans_September2018/Images/IFTWebHeader-1-1.png?width=1384&height=307&name=IFTWebHeader-1-1.png "IFTWebHeader-1-1") ## Insurance For Texans Blog All the Insurance Topics a Texan Could Want This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. # What is Final Expense Insurance? Posted by [Ron Wadley](https://www.insurancefortexans.com/blog/author/ron-wadley) on Jul 19, 2019 3:20:59 PM ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) Find me on: [Facebook ](https://www.facebook.com/ron.wadley.3) [LinkedIn](https://www.linkedin.com/in/ronwadley/) [Twitter ](https://twitter.com/rdw0330) - [Tweet](https://twitter.com/share) Depending on where you are in life, you may start to think about what it will cost others when you depart this great, big, blue and green orb. We know the subject isn't top of mind for most, because between birth and death, we're here to live life, right? That's what you're about and there's certainly a lot of living to do. ## The Inevitable If you ever do think about the inevitable, maybe it's the growth of your family or business prompting you to think about continuing to take care of others if you should depart from this earth earlier than expected due to an illness or accident. It's a great thing you have a[ life insurance](https://www.insurancefortexans.com/life-insurance) product to cover loss of income and other expenses in case anything were to happen. Maybe it's the loss of a loved one or reaching retirement which causes you to consider human frailty more often these days. The fact is, we're all headed toward that day and too often, we don't know when it is going to happen. ![Portrait of an elder mother and daughter walking outdoors](https://www.insurancefortexans.com/hs-fs/hubfs/Stock%20images/Portrait%20of%20an%20elder%20mother%20and%20daughter%20walking%20outdoors.jpeg?width=399&name=Portrait%20of%20an%20elder%20mother%20and%20daughter%20walking%20outdoors.jpeg) For those walking a senior path in life or for those walking with this path with them, the reality of this situation becomes all too familiar. For many, there is a plan in place due to already contracting term or whole life insurance years prior. For those not yet in a life insurance policy or aged out of a term policy, the ability to plan for life's final expenses to cover funeral costs and medical bills is not out of reach if not planned for already. It comes in the form of final expense insurance, a.k.a., burial or funeral insurance. ## It Costs a Lot to Die Let's face it. It costs a lot of money to die. There, we said it. Medical bills can add up in a hurry, so much in fact that there is an industry just to reprice medical bills. Funeral expenses are on the rise, at an average of $9,000 to be buried. While many younger insureds can take advantage of traditional term and whole life policies to cover the unforeseen, distant future, many senior adults have out-kicked their coverage on these traditional insurance products, and would find it more difficult to obtain traditional insurance at an affordable price that will pay a death benefit to their loved ones. When it comes to life insurance, your insurance solution should serve as an extension of you and what/who you care about. Consider where you are in life and what your goals are. Are you protecting your young family from loss of income and expenses? You may be best served by a regular term or whole-life policy. Has your family flown the coop and are you just needing to cover medical expenses and burial or cremation costs? A final expense insurance policy which will pay a death benefit as long as you pay the premium up until time of death may serve you and others you love well. ![Portrait of happy multi-generation family standing outdoors](https://www.insurancefortexans.com/hs-fs/hubfs/Stock%20images/Portrait%20of%20happy%20multi-generation%20family%20standing%20outdoors.jpeg?width=400&name=Portrait%20of%20happy%20multi-generation%20family%20standing%20outdoors.jpeg) Whatever you decide, it's healthy to have those conversations. It's never a good idea to have your family wishing you had the conversation after you're gone. As an [independent insurance agency](https://www.insurancefortexans.com/blog/what-is-an-independent-insurance-agent), [Insurance For Texans](https://www.insurancefortexans.com/) can advise you on your options and what may work best for you and your interests. Call, text, email, whatever works best for you. We want to help get you the coverage that will take the thought of the inevitable off your mind and get you back on to the joy of living. [![Protect Those I Love](https://hubspot-no-cache-na2-prod.s3.amazonaws.com/cta/default/2659071/7291fc09-5b16-456c-b34f-b3d7d5d79a30.png)](https://hubspot-cta-redirect-na2-prod.s3.amazonaws.com/cta/redirect/2659071/7291fc09-5b16-456c-b34f-b3d7d5d79a30)             Topics: [life insurance](https://www.insurancefortexans.com/blog/tag/life-insurance), [independent insurance agency](https://www.insurancefortexans.com/blog/tag/independent-insurance-agency) ![Ron Wadley](https://www.insurancefortexans.com/hubfs/Ron%20Wadley-small%20dimension.png) About the Author ### Ron Wadley Ron is the principal agent at Insurance For Texans and has more than 20 years in the insurance business. This experience allows him to find creative solutions to your insurance problems. "Uncle Ron" started Insurance For Texans, an independent insurance agency located in Dallas-Fort Worth, in 2017 after seeing a need to provide many different kinds of solutions to the everyday problems that folks have. After having an agency that could only offer a single solution for insurance for a few years, he came to the conclusion that it was time to make a change for the betterment of all Texans. And Insurance For Texans was born out of a vision to put the customer first ahead of a big insurance company. [Connect with Ron on LinkedIn](https://www.linkedin.com/in/ronwadley/) #### Links #### Contact Us ** 469.789.0220 ** [info@insurancefortexans.com](mailto:yourname@company.com) ** 6777 Camp Bowie Blvd #329 Fort Worth, TX 76116 [**](https://www.insurancefortexans.com/blog/what-is-final-expense-insurance#) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Ron Wadley", "url" : "https://www.insurancefortexans.com/blog/author/ron-wadley" }, "dateModified" : "2022-01-14T01:34:44.944Z", "datePublished" : "2019-07-19T20:20:59.000Z", "headline" : "What is Final Expense Insurance?", "image" : [ "https://www.insurancefortexans.com/hubfs/what%20is%20final%20expense%20insurance.png" ], "mainEntityOfPage" : { "@id" : "https://www.insurancefortexans.com/blog/what-is-final-expense-insurance", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.insurancefortexans.com/hubfs/InsuranceForTexans%20Logo%20skinny.webp" }, "name" : "Insurance For Texans Group, Inc" } } ``` ```json { "@context" : "https://schema.org", "@type" : "VideoObject", "caption" : { "@type" : "MediaObject", "contentUrl" : "https://www.insurancefortexans.com/media-transcripts/12567463897/en.vtt", "inLanguage" : "en", "name" : "en Captions" }, "contentUrl" : "https://2659071.fs1.hubspotusercontent-na2.net/hubfs/2659071/What%20Is%20Final%20Expense%20Insurance.mp4", "dateModified" : "2025-09-08T14:43:09.493Z", "description" : "Have you wondered how to take care of your family when the final bills come due? 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