Senior Benefits Center
Affordable life coverage designed to take care of the people you love — from funeral costs to everyday needs.
In 2025, the average funeral with burial costs nearly $10,000, and in many areas total expenses can climb above $12,000 once services and fees are included. For most families, these costs come as an overwhelming, unexpected burden. Final expense insurance helps protect your loved ones by turning a large, last-minute bill into a manageable monthly payment — ensuring peace of mind and financial security during life's most difficult moments.
See how families have used their final expense coverage to handle unexpected costs and protect their loved ones during difficult times.
Tampa, FL
"I purchased my policy because I never wanted my children to stress over final expenses. Knowing that my coverage will pay out tax-free gives me peace of mind today, and my family security for tomorrow."
Coverage Used:
Tax-free death benefit, funeral planning, family financial protection
Jacksonville, FL
"When I bought my permanent plan, I saw it as more than funeral coverage. It’s guaranteed growth and tax-free benefits mean that whenever the time comes, my wife will have a cushion to keep the house and pay off debt."
Coverage Used:
Guaranteed tax-free payout, debt payoff, mortgage protection
Orlando, FL
"I chose a final expense policy so my children won’t be left with tough decisions. The tax-free benefit will cover my service and any leftover costs, so they can remember me without financial worry."
Coverage Used:
Tax-free death benefit, funeral costs, family financial relief
Miami, FL
"As a couple, we wanted coverage that would protect each other. If one of us passes, the surviving spouse knows the tax-free benefit will handle the funeral and provide living cash value to adjust financially."
Coverage Used:
Couple’s protection, tax-free payout, supplemental living expenses
Fort Lauderdale, FL
"At my age, I wanted more than just a policy for burial costs. With permanent life insurance, I have tax-free coverage for my family and the option to access cash value if I ever need it while I’m alive."
Coverage Used:
Living benefits, tax-free death benefit, financial flexibility
Gainesville, FL
"I watched friends struggle with costs after losing loved ones. That’s why I bought my final expense plan. The predictable premiums, cash value growth, and guaranteed tax-free benefit make me confident my family won’t face that burden."
Coverage Used:
Predictable premiums, guaranteed cash value, tax-free death benefit
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $15.37 | $27.73 | $40.08 |
| 55 | $18.72 | $34.43 | $50.13 |
| 60 | $22.72 | $42.42 | $62.13 |
| 65 | $28.41 | $53.82 | $79.22 |
| 70 | $36.47 | $69.93 | $103.38 |
| 75 | $50.22 | $97.43 | $144.64 |
| 80 | $71.44 | $139.73 | $207.99 |
| 85 | $97.97 | $192.74 | $287.51 |
| 90 | $176.59 | $350.21 | NA |
| Age | $5,000 | $10,000 | $15,000 |
|---|---|---|---|
| 50 | $12.15 | $21.29 | $30.44 |
| 55 | $14.89 | $26.78 | $38.66 |
| 60 | $18.42 | $33.84 | $49.25 |
| 65 | $23.12 | $43.24 | $63.35 |
| 70 | $29.45 | $55.90 | $82.34 |
| 75 | $38.97 | $74.94 | $110.90 |
| 80 | $53.21 | $103.42 | $153.62 |
| 85 | $74.85 | $146.70 | $218.54 |
| 90 | $127.41 | $251.82 | NA |
No. It's private life insurance designed for final costs and family protection.
These plans are designed with level premiums that don't increase.
No. Benefits are paid directly to your beneficiary to use as needed.
Many options don't require an exam (varies by policy/state).