Final Expense (Burial) Insurance
Small whole-life insurance policy designed to cover funeral, burial, and end-of-life expenses.
About Final Expense (Burial) Insurance
Final expense insurance — sometimes called burial or funeral insurance — is a small whole-life policy with a face amount typically between $5,000 and $50,000. The death benefit is paid to your named beneficiary tax-free and can be used for anything, but it is generally bought to cover funeral costs, burial or cremation, and final medical bills.
Most final expense policies are simplified-issue, meaning approval is based on a short list of health questions instead of a medical exam. Guaranteed-issue products are also available for people with serious health conditions, usually with a graded death benefit during the first two policy years.
Premiums are level for life and the policy builds modest cash value. Coverage does not expire as long as premiums are paid.
- Funeral and burial or cremation expenses
- Final medical bills
- Outstanding debts and legal fees
- Cash gift to loved ones
- Tax-free death benefit
- Death from causes excluded during the graded period (guaranteed-issue policies)
- Misrepresentation on the application during the contestability period
- Suicide during the contestability period (typically 2 years)
Adults — most final expense products target ages 50 to 85; guaranteed-issue products accept applicants regardless of health.
Final expense premiums are based on age at issue, gender, tobacco use, health class, and face amount. Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.
When you can enroll
Carriers active in New Jersey
These carriers offer this product to New Jersey residents. We shop across them to find the right fit.
New Jersey counties served
Yumi Health helps residents in all 21 New Jersey counties.
Sources
Information last reviewed: 2026-04-07. Specific premiums, networks, and benefits change every plan year — talk to a Yumi Health advisor for the most current details.
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