A plan in place means one less thing for your family to decide
Final expenses tend to arrive all at once, during the hardest week a family can have. Putting a plan in place now gives the people you love room to grieve instead of scrambling to cover costs.
Funeral with viewing and burial.1
Funeral with viewing and cremation.1
Simple or traditional — a plan helps your family carry out what you would have wanted.
1 National medians from the National Funeral Directors Association 2023 General Price List Study; funeral home charges only. Figures are planning context — not a quote, premium, or coverage recommendation. Actual costs vary by location and choices. Examples are illustrative only.
Planning for yourself, or for a parent?
Start with a few questions. A licensed insurance agent may follow up to help you explore options — coverage is never guaranteed; underwriting decides what may be available.
Adults planning ahead
You’ve worked hard for what you have. A final expense policy can help cover funeral costs and final bills so your savings and your family’s finances stay protected.
Request a quote →Adult children researching for a parent
Many families start the conversation on a parent’s behalf. A licensed agent can walk you both through how coverage works and what to consider — the policy decision stays with your parent.
Request a quote →By requesting a quote, you understand a licensed insurance agent may contact you.
About burial & final expense insurance
Burial insurance, final expense insurance, and funeral insurance are everyday names for the same idea: typically a smaller whole life policy meant to help with end-of-life costs. It’s life insurance — not a prepaid funeral contract with a funeral home. When the insured passes, the benefit goes to the beneficiaries they named, who can use it as they see fit.
- Coverage amounts are typically modest, chosen to match expected final expenses.
- Many whole life final expense policies have premiums that do not increase with age. Terms depend on the policy.
- Some plans ask a few health questions instead of requiring a medical exam. Eligibility is determined by the insurance company during the application.
- Some plans include a waiting period before the full benefit is payable. A licensed agent will explain the terms of any plan you consider.
Coverage availability, benefits, premiums, and underwriting vary by insurance company, state, and individual eligibility. Not all applicants qualify. No guarantee of issue, coverage amount, or rates. Products and services are not available in all states.
Example carriers licensed agents in the network may discuss (availability varies by state, appointment, and underwriting — illustrative only):
How it works
Three steps — and there’s no cost or obligation to request information.
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Tell us about your needs
Answer a few quick questions on the quote form — about two minutes — or call (626) 231-9593.
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Talk with a licensed agent
An independently licensed insurance agent may contact you to review options in plain English. Legacy Burial is a marketing site — not the insurer and not a government agency.
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Decide what’s right
Compare your options with no pressure. Whether and when to apply is entirely your choice. Underwriting (the carrier’s review) decides issue, amount, and rate — not a website button.
Ready when you are
A licensed insurance agent may follow up on your requestWhere help may be available
Legacy Burial connects families with independently licensed agents who may be able to help in select states — including AZ, CA, CO, FL, IA, KY, MI, NV, OH, PA, TX, UT, and VA. Availability depends on agent licensing and carrier appointments. Conversations are typically by phone and secure form. See States for details. Early educational hubs: Texas and Ohio.
Quick answers
Is this whole life?
Usually yes — most burial / final expense policies are a form of whole life with level premiums (as long as you pay as required) and a death benefit that doesn’t expire at a set term. Exact features depend on the product and underwriting.
Do I need a medical exam?
Many final expense products use health questions instead of a paramedical exam. Some “guaranteed issue” designs ask few or no health questions but often have waiting periods or graded benefits. A licensed agent can match product type to your situation — no “guaranteed approval” promises here.
What does “final expense” mean?
It’s the industry-facing name for coverage meant to help with funeral and related end-of-life costs. Shoppers often search “burial insurance” for the same idea.
Which states can you help?
Help may be available through licensed agents in AZ, CA, CO, FL, IA, KY, MI, NV, OH, PA, TX, UT, and VA — see States. Products are not available in all states. Florida and other states may require carrier appointments before a policy can be placed. Educational hubs exist for Texas and Ohio.
Is Legacy Burial an insurance company?
No. Legacy Burial is a marketing site that provides information and connects interested families with independently licensed insurance agents. Coverage, if issued, is provided by insurance companies. We are not a government agency and not Americhoice corporate headquarters.
Do you have a walk-in office?
No public walk-in office hours. Reach us by phone or through the quote form.
A licensed insurance agent may contact you about your request.