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Final expense life insurance is a type of permanent whole life policy designed to cover end-of-life costs, such as funeral and burial expenses, medical bills, and legal fees. It is also known as burial insurance or funeral insurance and typically offers a smaller death benefit compared to traditional life insurance, with premiums that remain level for life. Many policies do not require a medical exam, instead relying on a health questionnaire for approval. 

Seniors: Often the target demographic, as it provides a simple way to handle funeral and burial costs without a medical exam. Coverage is frequently available for those between 50 and 85.

• No medical exam required: Many policies are approved based on health questions alone, and some are guaranteed acceptance.
• Fixed and affordable premiums: Payments are typically fixed for life and are often lower than traditional policies.
• Simplicity: The application process is straightforward and the benefit amount is smaller, making it easier to understand and purchase than complex policies. 

• Age: Most providers require you to be between 50 and 85, though some may offer coverage up to an older age.
• Health Questions: The most common policies ask a limited number of health questions about conditions like smoking, heart disease, or stroke. Most applicants can still qualify even with some health issues.
• No Medical Exam: Unlike traditional life insurance, final expense insurance typically does not require a medical exam.