Final Expense Insurance

No one wants to leave their loved ones with the financial burden of final expenses, especially during an already difficult time. At Frontline Financial Group, we provide hassle-free, customized policy solutions tailored to your needs and goals. Our Final Expense Insurance ensures that your family can focus on honoring your legacy without the added stress of covering funeral and other end-of-life costs. Planning ahead provides peace of mind and financial security for those you love.

Keeping Protection in Life Simple

Final expenses include costs associated with the passing of a loved one, such as:

Final medical expenses
Funeral or memorial services
Burial or cremation costs

With the average burial cost in the U.S. reaching $9,000 or more, these expenses can quickly add up. Final Expense Insurance from Frontline Financial Group is a whole life insurance policy designed to relieve your family of financial pressure by covering these costs, allowing them to focus on what truly matters—honoring your life and legacy.

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What Payout Does a Final Expense Insurance Policy Typically Offer?

Unlike traditional life insurance, Final Expense Insurance is designed specifically to cover funeral costs and related expenses, rather than replacing lost income or paying off large debts. These policies typically offer payouts up to $40,000, ensuring that your loved ones can manage final expenses without financial hardship.

In contrast, other life insurance policies—such as term or whole life—are structured based on your outstanding debts and earning power , often providing coverage exceeding $50,000 to support long-term financial security.

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Final Expense Coverage Offers Significant Benefits

Final Expense Insurance provides numerous advantages for both policyholders and their families, ensuring peace of mind and financial security when it matters most.

Permanent Lifetime Protection – Coverage remains in place as long as premiums are paid.
No Premium Increases – Your rate is locked in at the time of purchase.
Protect Loved Ones – Avoid leaving your family with unexpected financial burdens.
Tax-Deferred Savings – Option to accumulate cash value over time.
Flexible & Affordable – Customizable policies designed to fit your budget.

Final Expense Insurance: Beyond

Funeral Expenses

Final Expense Insurance covers more than just funeral costs. Your loved ones can use the payout for medical bills, legal fees, estate costs, mortgage payments, or other financial needs. Frontline Financial Group ensures you have a plan that provides security and peace of mind

Funeral and Burial Costs

Medical Bills

Mortgage and Credit Card Debt

Other End-of-Life Expenses

Advanced Benefit for Treatment of Terminal Illness

FAQ

Need more assistance? Call us today (720)740-6686

We are an independent organization representing over 40 final expenses carriers, and we put your best interests at heart. Our goal is to help you find affordable insurance coverage that gives you peace of mind while offering your loved ones’ protection and security during a difficult time.

What If I Have Health Issues?

If you have health issues and are looking for insurance, you may feel daunted – especially if you are seeking an affordable option. Getting the best rate with an immediate death benefit is the goal, and LifeShield has over 40 insurance carriers to go through. We will help you to find the best possibilities for getting approved if you have any pre-existing conditions.Your chance for approval on policies with an immediate death benefit become greater the further out those more serious health concerns are diagnosed, and commonly found to be outside one to two years. Many of the companies we work with offer a guaranteed issue policy, sometimes known as a graded benefit policy. They are open to anyone who is not in hospice.This is typically suggested if more serious life-threatening health conditions have been diagnosed within the past two years. Otherwise, immediate benefit policies are more suitable for most people.While guaranteed issue policies accept almost anyone, they do not offer full payout if the insured person has a health-related death within two years of taking out their policy (instead, the premiums paid are returned in full to the family with interest).

What Should I Consider Before Choosing a Final Expense Insurance Policy?

It is important to find a policy which fits your budget so that you can easily make ongoing payments to retain what could become your final policy. Along with pricing, it’s also important to know and be clear on your policy details when it comes to cash value, immediate death benefit eligibility, and other definitions. That’s why we’re here to help!

How Much Final Expenses Coverage Do I Need?

Your final expense coverage will largely depend on your needs, making general estimations difficult. According to Parting, average funeral costs in 2017 were in the $8,000 to $10,000 ballpark – before additional funerary costs are added, such as wreaths.However, this price is not static and increases annually, which you should account for. Typically, we recommend that people start with at least $12,000 to $15,000 coverage. If you have additional debts, these can also be added to your policy.