Final Expense Whole Life Insurance

The median cost of a funeral is $8500.1 Final Expense Whole Life Insurance can help with end-of-life costs.

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Why does Final Expense Insurance matter?

You can’t always control what happens to you and your family, but with Aflac Final Expense Whole Life Insurance2, you can help protect their financial security and peace of mind. This type of whole life insurance policy is designed to help cover final expenses, which can quickly add up. Having a final expense plan can ease your family's financial burden and allow them to focus on what matters most.

How can Final Expense Insurance policy help you?

Out-of-pocket medical bills:

Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.

Legal and accounting costs:

The legal proceedings referred to as probate, and related accounting fees, can be a shock to family and loved ones. Probate costs vary by state while the probate process can take months, or years.

Funeral and burial expenses:

A funeral can be one of your family’s largest expenses. The average cost of a funeral is $8500. While many believe that cremation is a far less expensive option, data shows that the cost is only 26% less than the traditional funeral.1

Plan highlights:

Competitive, fixed premiums:

Final expense insurance offers competitive, fixed premiums that do not change over time.

Pay cash benefits:

The cash benefit from final expense insurance can help cover funeral and burial costs, medical needs or anything else that will help loved ones.

No physical exams needed:

Answer a few health questions to apply for coverage, with fixed monthly premiums.

Lifetime coverage:

Your final expense insurance coverage remains in place as long as your premiums are paid up.3

Builds cash value:

Our final expense insurance plans build cash value—a sum of money that can be used to borrow against or use it as a non-forfeiture benefit.

Flexible payment flexibility:

We offer flexible payment options or you can align your payment with your Social Security deposit.

Types of Final Expense Life Insurance plans

There are two Final Expense Life Insurance plans offered by Aflac. After applying, you will be offered the best value based upon your age and health questionnaire responses.

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Level Plan

Full face value from policy issue if death5 is due to an accident or natural causes.

Modified Plan

Full face value from policy issue if death is due to an accident.

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You've got questions. We've got answers.

A handful of factors influence how much Final Expense Life Insurance you truly need. We recommend looking at your monthly expenses to help determine how much money you’d like to guarantee your beneficiaries.

Here are a few different bills to factor in:

  • The cost of a funeral, burial, cremation or other ceremony

  • Utility bills like electricity and water

  • Food, including groceries and dining out

  • Medical expenses

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