Final Expense Life Insurance:

Final Expense insurance is a type of life insurance that helps seniors cover end-of-life bills, such as funeral expenses and healthcare.


If you don’t have a final expense life insurance plan in place for the one's that you care for the most, your loved ones will unfortunately be left with the responsibility of paying any remaining expenses. Funeral costs are expensive, and there are probably more costs than you were aware of.


According to the National Funeral Directors Association, the national median cost for a funeral with a burial and vault is close to $9,000. The national median cost for a funeral with cremation is now over $6,000. The benefit you receive from the government when you are on social security is just a small amount of $255.00.


These cost estimates do not include the cemetery plot ($2,000), monument (up to $10,000) or grave marker ($1,000), or miscellaneous items like flowers ($200) or an obituary ($200). If we factor those costs in, the average cost for a funeral with a burial and vault can be more like $15,000.


The funeral estimate obviously doesn’t include other end-of-life costs, such as healthcare and legal expenses. Here’s a list of items your loved ones might be responsible for immediately following death:

  • Credit card debt
  • Catering
  • End of Life Healthcare
  • Funeral home
  • Casket
  • Household expenses, such as utilities
  • Burial vault/grave liner
  • Hearse and service car
  • Removal and transfer of remains
  • Flower arrangements
  • Cemetery/burial plot
  • Legal expenses, such as probate
  • Outstanding mortgage/car loan
  • Travel and lodging for out-of-state family attending funeral
  • Grave marker
  • Obituary
  • Cremation
  • Embalming and preparation

What do these insurance plans cost?

These plans are surprisingly affordable! Many times, you can at minimum get some type of coverage for over a dollar a day. It's important to make sure you have something in place, not for yourself, but your those that you love. Feel free to fill out the form and get a quote or call us directly by pressing the "Click to Call" button above:


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Phone: (541) 641-8886

Email: jesse@mountaintopins.com

Address: 322 NE Alpenview Ln Bend, Oregon 97701


“We do not offer every plan available in your area. Currently we represent ten organizations which offer 45 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”