What Questions Should You Ask Before Getting Final Expense?

Before you get final expense insurance, consider what the policy provides for you to have a clear idea as to how to make the best use of it. When you ask these questions, you will be able to proceed with more confidence in your decision.

How much will the funeral expenses be?

Funeral expenses are a common motive behind getting final expense insurance. A final expense typically refers to funeral costs, though the policy’s death benefit has unlimited uses. Assuming you are using final expense insurance to take care of funeral costs, this can guide you in the policy size you choose.

Final expense death benefits begin as low as $2,000 but can be as high as $50,000. Funeral expenses are usually in the $7,000 range but can be upwards of $12,000. At any level, a final expense policy will provide major relief in covering funeral costs.

This not only guides you in the size of the policy you choose – it makes you consider your choice of funeral home. Funeral homes offer different rates. It is encouraged to contact all the funeral homes in your area so that you can get the service you want at the lowest price.

The lower the price, the more the death benefit covers. And the more the death benefit covers of the funeral costs, the more funds that your loved ones can use for personal expenses.

What do I want to leave behind?

This goes back to the final expense policy size. But it should be noted that you will pay more in monthly premiums for policies that have larger death benefits. By asking this, you consider your own finances so that your policy is affordable while allowing you to maintain your ability to cover other necessities.

Consider your loved ones’ personal expenses. You may need a policy with a larger death benefit if your loved ones have children, or have several debts. If your loved ones are already financially secure, then you can choose a policy where the death benefit offers a slight financial cushion.

Who do I choose as my beneficiaries?

Beneficiaries are more than likely going to be the people who hold the most significance in your life. Selecting beneficiaries also makes distributing the death benefit easier upon your passing, leaving no confusion as to who gets the funds and what percentage of the funds allocated to each individual.

The people explicitly named as beneficiaries will be primary beneficiaries. Also, consider naming contingent beneficiaries in case one of the primary beneficiaries passes away before you do. Doing this helps you have a backup plan in place.

Where do I begin?

At Final Expense Direct, we are prepared to offer answers to any questions you may have. You may feel overwhelmed for a variety of reasons, but don’t let that keep you from making a decision that will make a positive impact on you and the ones you love. To get started, call us today at 1-877-674-0236.


Final Expense Direct’s utmost concern is the safety of our clients, their families, and our employees and agents. Our hearts, thoughts, and prayers go out to all that the Coronavirus outbreak has touched and those whose lives have been disrupted. While 98% of our workforce is working remotely, we are here if you need assistance. If you are a client, please contact Customer Support at 800-538-3610, Ext 2, with any questions in regards to your policy. You may also contact us via email at customerservice@finalexpensedirect.com. We will continue to monitor this situation and keep you updated.