Final expense insurance is small-face whole life (often $5,000-$50,000) designed to cover funeral and last expenses. Policies are typically simplified issue with level premiums, guaranteed death benefits, and modest cash values. They serve seniors or families wanting predictable, permanent coverage without medical exams. Marketing focuses on affordability and ease of qualification.

Agents position final expense policies for seniors seeking permanent coverage with simple underwriting. They compare level versus graded benefits, premiums, and carrier niches. Policies are often sold via telesales or community marketing with straightforward needs analysis.