What Final Expense Insurance Is
Final expense insurance is a small whole-life life insurance policy. It has one job: paying the bills that come when someone passes away. Most plans pay $5,000 to $35,000. The money goes to your beneficiary — the person you name to get it. They can use it for a burial, a cremation, medical bills, or anything else.
It is not a preneed funeral contract. You are not pre-paying a funeral home. You own a life insurance policy. Your family keeps control of the money. We sell insurance. We do not sell preneed contracts.
The Bills Families Face
When someone dies, costs pile up fast. The funeral home. The cemetery. The hospital bills that keep arriving for months. Credit card balances. Most families need $10,000 to $20,000 to settle it all. Without a plan, that money comes from savings — or from your children's pockets.
How It Works
- We talk (15 to 20 minutes). Your age, health, tobacco use, and how much coverage you want.
- You get approved. Most people skip the medical exam. Some plans approve the same day.
- Your family is covered for life. Fixed premiums that never go up. Coverage that never goes down.
No prices on this site — on purpose. Your premium rests on your age, health, and habits. A number without those facts would mislead you. Call me for your real numbers. The quote is free.
Why Whole Life
Final expense plans are whole life. That means three things. One: the premium never rises. Two: the coverage never ends. Three: the plan builds a small cash value — a savings amount inside the policy you can borrow from.
Who You Will Talk To
Serge Sendji Augustin — a licensed Florida agent (FL License G231352, NPN 21565385), based in Ocoee. I have helped more than 400 seniors with Medicare and health coverage. Now I help Florida families plan final expenses. One agent. No call center. No pressure.
Frequently Asked Questions
What does final expense insurance cover?
Burial or cremation, funeral services, medical bills left behind, and small debts. The payout is cash to your beneficiary. They decide how to use it.
Is this the same as burial insurance?
Yes. "Burial insurance," "cremation insurance," and "final expense insurance" are three names for the same product: a small whole-life policy.
Do I need a medical exam?
Most often no. You answer health questions on the form. Guaranteed-issue plans ask no health questions at all.
How much does it cost each month?
Your age, health, tobacco use, and coverage amount set the price. I will not guess here. Call me and I will run your real numbers, free.
Will my price go up over time?
No. Whole life means a fixed premium. It never rises.
Can I be turned down?
A plan with health questions can say no. A guaranteed-issue plan cannot turn you down for health reasons if you are in the allowed age range.