How Much Final Expense Coverage Do I Need?

To determine coverage needs, consider: Funeral/burial costs ($7,000-$12,000 average), outstanding medical bills, credit card or personal debt, any other expenses you want covered.

Most people choose $10,000-$25,000 in coverage. This typically covers funeral costs with some extra for other expenses.

Simple calculation: Estimated funeral cost + outstanding debts + buffer for unexpected expenses = recommended coverage amount.

Example: $10,000 funeral + $3,000 medical bills + $2,000 buffer = $15,000 coverage.

Our agents can help you determine the right amount based on your specific situation and budget.