Final Expense Insurance

Final Expense Insurance, also referred to as Burial Insurance, is a whole life insurance policy that is designed to pay off the expenses families face upon the death of a loved one. This type of insurance ensures your loved ones aren't saddled with debts that can be financially troubling after you pass.
Final expenses include bills associated with medical expenses, funeral or memorial services, and the price of burial or cremation. The average funeral and burial in the United States today costs approximately $9,000, and that cost does not include end-of-life medical expenses. Protect your family from facing these expenses alone with an affordable Final Expense insurance policy.


As you go through life, your insurance needs change.
Symmetry Financial Group provides plans to keep you protected.

Why Do I Need

Final Expense Insurance?

Most of us will eventually need to pay for final expense insurance. If you don't have extra funds set aside in savings just for final expenses, your loved ones may struggle with coming up with the money needed to give you the service and burial they want after you have passed.

Leaving behind large debts can be crippling to family members. Final expense insurance enables families to properly grieve their loved ones without the burden of unplanned costs. Thankfully, final expense insurance is an affordable whole life insurance plan that offers a solution to these problems.

How Does

Final Expense Insurance Work?

Final expense coverage is a life insurance policy that you purchase for a specific dollar amount ("face value"). You pay premiums periodically to keep the policy in force. If you die while the policy is still active, the insurance company pays the death benefit to the funeral home or individual(s) you named as the policy beneficiary(ies).

Choose Symmetry For Final Expense Insurance

At Symmetry Financial Group, we understand that everyone has different needs for insurance coverage, including final expense coverage. That's why we don't offer "cookie cutter" solutions. We will work with you to learn more about your needs and goals for insurance protection. Then, we'll find solutions that meet those needs.

We don't push proprietary products on our clients - we are truly an independent organization, representing multiple insurance carriers. That means you can be confident that your insurance coverage is in your best interest, not ours.

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Frequently Asked Questions

Q: What are the advantages of Final Expense Coverage?

There are many advantages to final expense insurance coverage. Some of the most popular advantages include the following:
  • Permanent protection over a lifetime. Final expense coverage will stay in force, as long as you continue making premium payments as required under the policy.
  • Premiums don't increase as you grow older. Your premiums are based on your age at the time you take out the policy, and remain steady for the life of the policy.
  • Help protect loved ones from debts associated with the burial or funeral process. Final expense insurance coverage offers cash after you die that can be used to pay the cost of your funeral or memorial service, as well as the costs of cremation and/or burial.
  • Tax-deferred cash value that builds over time. In addition to offering a fixed death benefit (the "face amount" of the policy), final expense insurance can also provide the option to accumulate cash value over time, inside the policy.
  • Affordable premiums customized to fit their budget. Your policy, and the premiums you will pay, can be designed to fit your needs and available budget.

Q: Can I afford Final Expense Coverage?

Many clients are pleasantly surprised at how affordable purchasing final expense insurance coverage can be.

Because we don't offer "one-size-fits-all" solutions at Symmetry Financial Group, and because we have access to insurance products offered by dozens of insurance carriers, we can help you find a final expense policy that is designed to meet both your needs and your budget.

Q: Do I qualify for Final Expense Insurance?

Final expense insurance is a life insurance product, but many carriers offer simplified underwriting for final expense policies. This means you may not have to undergo a physical examination in order to qualify for coverage.

The best way to find out whether you qualify for a final expense policy is to contact Symmetry Financial Group to learn more.

Q: When should I buy Final Expense Insurance?

While we know that we are all going to need final expense coverage at some point, none of us can predict when we are going to need it.

Because the cost of life insurance products (including final expense insurance) is based on your age and health at the time you apply for coverage, it makes sense to purchase coverage sooner rather than later. Doing so will likely result in lower premium payments, and will give you and your loved ones valuable peace of mind knowing that your death will not create a financial burden.

When you buy final expense coverage through Symmetry Financial Group, you can protect your family from expenses associated with your death.