Final Expense Insurance Guide 2025: Secure Your Legacy

Planning for the future involves many considerations, but one crucial aspect often overlooked until later in life is arranging for final expenses. These end-of-life costs can place a significant and unexpected financial burden on loved ones during an already difficult time. Final expense insurance, also known as burial insurance or funeral insurance, provides a dedicated financial cushion specifically designed to cover these costs, ensuring your family isn’t left scrambling to pay bills when they should be grieving and remembering.

Updated for 2025, this guide will walk you through everything you need to know about final expense life insurance: what it covers, how it works, who needs it, approximate costs, and how to find the best policy for your unique situation. Understanding these details is the first step toward securing peace of mind for yourself and protecting your family’s financial future.

Here at Insurance By Heroes, we understand the importance of planning and protection. Founded by a former first responder and military spouse, our agency is staffed by professionals who share a background in public service. This foundation shapes our commitment: we’re dedicated to serving our clients with integrity and finding the right solutions for their needs. As an independent agency, we aren’t tied to any single insurance company. Instead, we partner with dozens of top-rated final expense insurance carriers, allowing us to shop the market extensively and tailor coverage specifically for you. We know that no single company or policy is the perfect fit for everyone, which is why comparing options is crucial.

What Exactly Are Final Expenses?

When we talk about “final expenses,” we’re referring to the various costs associated with the end of a person’s life. These costs can add up quickly and often catch families by surprise if no prior arrangements have been made. Having a dedicated final expense insurance policy ensures funds are available to cover these specific needs without dipping into savings meant for other purposes or burdening family members.

Common final expenses include:

• Funeral and Burial/Cremation Costs: This is often the most significant category. It can encompass funeral home services (viewing, memorial service), casket or urn costs, burial plot or niche fees, grave opening and closing, headstone or grave marker expenses, transportation, flowers, obituaries, and catering for a reception. The National Funeral Directors Association (NFDA) regularly reports on the median cost of funerals, which can easily reach $8,000 to $10,000 or more, depending on choices and location. Cremation is typically less expensive but still involves significant costs.
• Medical Bills: Even with health insurance like Medicare, final illnesses often involve out-of-pocket medical expenses. These can include hospital co-pays, deductibles, prescription drug costs, hospice care fees, ambulance charges, and costs for treatments not fully covered by insurance. These final medical bills can accumulate rapidly in the last weeks or months of life.
• Legal and Administrative Fees: Settling an estate, even a small one, can involve legal costs. Probate court fees, attorney fees for executing a will, and other administrative expenses related to transferring assets or paying off debts fall into this category.
• Outstanding Debts: Any remaining personal debts may need to be settled from the estate. This could include credit card balances, small personal loans, car payments, or utility bills. A final expense policy can provide the liquidity needed to clear these debts promptly.
• Travel Costs for Family: Sometimes, family members need to travel long distances to attend the funeral service or handle estate matters. A portion of the final expense benefit could be used to help offset these travel expenses for loved ones.
• Miscellaneous Costs: Other unexpected expenses can arise, such as costs for death certificates, temporary housing for visiting family, or maintaining the deceased’s home until it can be sold or settled.

Understanding the potential scope of these final expenses underscores the value of dedicated planning. A final expense insurance policy provides a clear solution, offering a predetermined sum of money precisely when it’s needed most.

How Does Final Expense Insurance Work?

Final expense insurance is fundamentally a type of life insurance, but it’s specifically structured to meet the need of covering end-of-life costs. While traditional life insurance policies often focus on larger coverage amounts for income replacement or mortgage protection, final expense policies typically offer smaller death benefits and are often easier to qualify for.

Here are the key characteristics of most final expense insurance plans:

• Policy Type: Most final expense insurance is structured as whole life insurance. This is crucial because, unlike term life insurance which expires after a set period, whole life insurance is designed to last for your entire lifetime, as long as you continue to pay the premiums. This permanence makes it ideal for covering final expenses, which are a certainty at an unknown future date.
• Coverage Amounts: Death benefits for final expense policies are generally smaller than traditional life insurance. Typical coverage amounts range from $5,000 to $50,000, though some carriers might offer slightly lower or higher limits. The goal is to provide enough funds to cover anticipated final expenses without the higher premiums associated with larger policies.
• Simplified Underwriting: Many final expense policies feature simplified underwriting. This means that instead of a full medical exam (like blood work or urine samples), applicants usually only need to answer a series of health-related questions on the application. This makes the application process quicker and less invasive.
• Guaranteed Issue Option: For individuals with significant health issues who may not qualify for simplified issue policies, some carriers offer guaranteed issue final expense insurance. These policies typically involve no health questions and no medical exam. Acceptance is guaranteed within certain age brackets (e.g., 50-85). However, these policies usually come with higher premiums and graded death benefits (explained below).
• Level Premiums: Once your final expense whole life insurance policy is issued, your premiums are locked in and will never increase, regardless of changes in your age or health. This predictability is a major benefit, especially for seniors or those on a fixed income.
• Fixed Death Benefit: Similarly, the death benefit amount you choose remains fixed and will not decrease over time (unless the policy has a graded benefit period, see below).
• Cash Value Accumulation: Like other forms of whole life insurance, final expense policies build cash value over time on a tax-deferred basis. You can potentially borrow against this cash value or surrender the policy for its cash value if needed, though doing so will reduce the death benefit.
• Tax-Free Death Benefit: The payout received by your beneficiaries upon your death is generally income tax-free. They can use these funds for any purpose, although the intention is typically to cover funeral costs, medical bills, and other final expenses.
• Graded Death Benefits (Common with Guaranteed Issue): Guaranteed issue policies, and sometimes simplified issue policies for those with certain health conditions, often feature a “graded” death benefit. This means if the insured dies from natural causes (illness) within the first two or three years of the policy (the specific period varies by carrier), the beneficiaries will receive a return of the premiums paid, plus interest (e.g., 10%), rather than the full face amount. However, if death occurs due to an accident during this graded period, the full death benefit is typically paid. After the graded period ends, the full death benefit is payable for death from any cause.

Understanding these features helps clarify how final expense insurance provides a reliable financial tool. However, it’s vital to recognize that the specifics—premiums, underwriting criteria, graded benefit details, available coverage amounts—vary significantly among the numerous final expense insurance companies. This is precisely why working with an independent agency like Insurance By Heroes is so advantageous. We navigate the complex landscape of final expense insurance carriers, comparing final expense insurance plans to find the one that truly aligns with your health profile, budget, and coverage goals. We don’t push one company’s product; we find the best solution for *you* from the dozens of options available.

Types of Final Expense Insurance Policies

While most final expense coverage falls under the umbrella of whole life insurance, there are different ways these policies are underwritten and structured, primarily based on your health. Understanding these distinctions is key to finding the right fit and the best possible final expense rates.

Simplified Issue Whole Life Insurance

This is often the most desirable type of final expense insurance for those who qualify.

• Underwriting: Requires answering health questions on the application but does *not* require a medical exam. Insurers will typically check prescription history databases and the Medical Information Bureau (MIB) to verify your answers.
• Coverage: Usually offers immediate full coverage from day one if approved. The death benefit is payable for death from any cause, starting immediately.
• Cost: Premiums are generally lower than guaranteed issue policies because the insurance company assumes less risk based on your health answers.
• Ideal For: Individuals in reasonably good health, even with some managed chronic conditions (like controlled high blood pressure or diabetes). Many seniors qualify for simplified issue.

Guaranteed Issue Whole Life Insurance

This type offers coverage to almost anyone within the eligible age range, regardless of health history.

• Underwriting: No health questions asked, and no medical exam required. Approval is virtually guaranteed if you meet the age requirements (typically 50-85, varies by company).
• Coverage: Almost always includes a graded death benefit period, usually lasting two or sometimes three years. If death occurs due to natural causes during this period, beneficiaries receive a return of premiums paid plus interest (e.g., 10% or 20%). Accidental death usually pays the full benefit from day one. After the graded period, the full death benefit is paid for any cause of death.
• Cost: Premiums are significantly higher than simplified issue policies because the insurer accepts applicants with potentially serious health problems without knowing the specifics.
• Ideal For: Individuals with serious pre-existing health conditions (like recent cancer, heart attack, stroke, oxygen use, organ transplant, kidney dialysis, Alzheimer’s) who cannot qualify for simplified issue coverage but still want to secure some level of final expense protection.

Level Benefit vs. Graded Benefit vs. Modified Benefit

Within simplified issue policies, you might also encounter terms related to the timing of the full death benefit payout based on health answers:

• Level Benefit (Preferred): The full death benefit is payable from day one for death from any cause. This is typically offered to applicants in the best health categories.
• Graded Benefit (Standard/Substandard): As described above (common in guaranteed issue, but sometimes applied to simplified issue for moderate health risks). Payout limited to return of premium plus interest for non-accidental death in the first 2-3 years.
• Modified Benefit (Less Common): Similar to graded, but might have a different structure, perhaps paying a percentage of the face amount in year one (e.g., 25%), another percentage in year two (e.g., 50%), and the full amount thereafter.

Can Term Life Insurance Be Used for Final Expenses?

While technically possible, using term life insurance for final expenses is generally not recommended. Term life insurance provides coverage for a specific period (e.g., 10, 20, or 30 years). If you outlive the term, the coverage expires, leaving you with no protection for final expenses unless you purchase a new policy, likely at much higher rates due to your older age. Since final expenses are a certainty at an uncertain future date, the permanent nature of final expense whole life insurance makes it a far more suitable and reliable solution for this specific need. Some term policies might offer a conversion option to whole life, but this should be explored carefully.

Choosing between simplified issue and guaranteed issue, and understanding the nuances of benefit payouts, depends heavily on your individual health profile and risk tolerance. Different final expense insurance carriers assess health conditions differently. One company might decline an applicant for a condition that another company would accept under a simplified issue policy (perhaps with a graded benefit). This variability highlights why relying on an independent final expense agent from Insurance By Heroes is so beneficial. We know the underwriting guidelines of multiple final expense insurance companies and can guide you toward the carrier most likely to offer the best coverage type and rate for your specific health situation.

Who Needs Final Expense Insurance?

While anyone could potentially benefit from having dedicated funds for end-of-life costs, final expense insurance is particularly relevant for certain groups and situations:

• Seniors on Fixed Incomes: Many retirees live on fixed incomes (Social Security, pensions) with limited savings. A sudden expense like a funeral can be financially devastating. A final expense policy with fixed premiums provides an affordable way to pre-fund these costs without impacting their regular budget significantly.
• Individuals with Health Concerns: People with pre-existing health conditions might find it difficult or impossible to qualify for larger traditional life insurance policies. Final expense insurance, with its simplified or guaranteed issue options, offers accessible coverage specifically designed for this demographic. This includes considerations like final expense insurance for cancer patients or those with other chronic illnesses – the key is finding the right carrier, as underwriting varies.
• Those Without Sufficient Savings: If you haven’t been able to set aside a dedicated savings fund ($10,000-$20,000 or more) specifically for end-of-life costs, a final expense policy is a practical alternative. It ensures the money is available exactly when needed.
• People Wanting to Protect Loved Ones: The primary motivation for buying final expense insurance is often the desire to prevent burdening children, spouses, or other relatives with unexpected bills during a time of grief. It’s an act of love and responsibility.
• Parents Whose Children May Lack Funds: Many adult children are managing their own financial pressures (mortgages, raising families, student loans). Buying final expense insurance for parents (with their consent) ensures their final wishes can be honored without causing financial hardship for the next generation. Exploring final expense insurance for parents is a common and thoughtful planning step.
• Individuals Seeking Small, Permanent Policies: Some people may already have larger term life policies for income replacement but want a smaller, permanent whole life policy specifically earmarked for burial and final medical bills. Final expense insurance fits this need perfectly.
• Younger Adults Planning Ahead: While the target market is often older, considering final expense insurance for young adults can be advantageous. Buying earlier locks in significantly lower premiums for life and guarantees future insurability should health change later. Though less common, it’s a strategy for long-term planning.
• Those Seeking Peace of Mind: Simply knowing that arrangements are in place and that funds are available can provide immense peace of mind, allowing individuals to focus on enjoying their later years without worrying about leaving behind financial loose ends.

Essentially, if the question “How will my funeral and final bills be paid?” doesn’t have a clear and readily available answer through existing savings or assets, then final expense insurance is worth serious consideration. It provides a specific solution to a specific financial need. The team at Insurance By Heroes, drawing on our background of service and trust, can help you assess your situation and determine if a final expense plan makes sense for you, comparing options from various final expense insurance carriers to find the most suitable fit.

Understanding Final Expense Insurance Costs (Rates)

One of the most common questions is: “How much does final expense life insurance cost?” The answer isn’t a single number, as final expense rates depend on several individual factors. However, understanding these factors will help you anticipate what might influence your personal final expense quotes.

Key factors determining final expense life insurance rates:

• Age: This is arguably the most significant factor. The older you are when you apply, the higher your premium will be, as life expectancy decreases with age. Buying earlier locks in lower rates for the life of the policy.
• Gender: Statistically, women live longer than men. Consequently, women generally pay slightly lower premiums than men of the same age and health status.
• Coverage Amount (Death Benefit): The higher the death benefit you choose (e.g., $20,000 vs. $10,000), the higher your premium will be. It’s important to balance the coverage needed with what’s affordable monthly.
• Health Status & Underwriting Type: Your health is critical. Applicants who qualify for simplified issue policies with level (immediate) benefits will get the best rates. Those needing graded benefits due to moderate health issues will pay more. Those requiring guaranteed issue policies due to significant health problems will pay the highest premiums for the same coverage amount.
• Tobacco Use: Smokers or recent tobacco users will pay substantially higher premiums than non-tobacco users, often 50-100% more. Most insurers consider tobacco use within the last 12 months.
• Insurance Carrier: Different final expense insurance companies have different pricing structures and underwriting niches. Some may be more competitive for specific age groups, health conditions, or coverage amounts than others. For example, final expense insurance Mutual of Omaha might offer great rates for one profile, while another carrier might be better for a different profile.
• Payment Mode: Paying annually usually results in a slightly lower overall cost compared to paying monthly, quarterly, or semi-annually, as insurers often add small processing fees for more frequent billing.

Example Final Expense Rates (Illustrative Only)

It’s crucial to remember these are just general examples and your actual final expense quotes will vary based on the factors above and the specific carrier. Rates are typically quoted per month.

Example Monthly Premiums for a $10,000 Simplified Issue Policy (Non-Tobacco User):

• Female, Age 55: $25 – $40
• Male, Age 55: $30 – $50
• Female, Age 65: $40 – $60
• Male, Age 65: $50 – $75
• Female, Age 75: $70 – $110
• Male, Age 75: $90 – $140

Example Monthly Premiums for a $10,000 Guaranteed Issue Policy (Any Health, Non-Tobacco User):

• Female, Age 55: $45 – $70
• Male, Age 55: $55 – $85
• Female, Age 65: $70 – $100
• Male, Age 65: $90 – $130
• Female, Age 75: $120 – $180
• Male, Age 75: $160 – $240

(Note: Tobacco users could expect rates significantly higher than these examples).

These examples clearly show how age, gender, and especially health (simplified vs. guaranteed issue) impact the final expense insurance cost. They also underscore the importance of comparison shopping.

Getting accurate final expense life insurance quotes requires providing your specific details. This is where Insurance By Heroes shines. As independent final expense brokers, we don’t just give you one quote from one company. We take your information and compare final expense rates and policy options across dozens of reputable final expense insurance carriers. This ensures you see the most competitive offers available for *your* circumstances, potentially saving you significant money over the life of the policy while securing the right final expense coverage.

Finding the Best Final Expense Insurance Companies and Policies

With numerous final expense insurance companies vying for your business, how do you choose the right one and the best policy? The key lies in understanding your needs, knowing what to look for in a carrier, and leveraging expert guidance.

Why Work with an Independent Agency Like Insurance By Heroes?

Navigating the world of final expense insurance plans can be complex. Premiums, underwriting guidelines, policy features, and company reputations vary widely. Partnering with an independent agency like Insurance By Heroes offers distinct advantages over going directly to a single carrier or using a captive agent who only represents one company:

• Access to Multiple Carriers: We contract with dozens of the nation’s top-rated final expense insurance carriers. This broad access means we can objectively compare offers from many different final expense insurance companies, ensuring you get a truly competitive quote. We compare well-known names like Mutual of Omaha alongside many other excellent final expense providers.
• Objective, Client-Focused Advice: Our loyalty is to *you*, our client, not to any single insurance company. Our goal is to find the best final expense insurance policy that fits *your* specific needs and budget. Our foundation in public service reinforces our commitment to acting in your best interest.
• Expertise and Market Knowledge: Our licensed final expense agents specialize in this market. We understand the nuances of different policies, the varying underwriting criteria for health conditions, and which carriers tend to be most favorable for specific situations (age, health, coverage amount).
• Personalized Needs Assessment: We take the time to understand your specific goals, health background, and financial situation to recommend the most appropriate type and amount of final expense coverage.
• Comparison Shopping Made Easy: Instead of you having to contact multiple companies and fill out numerous forms to get final expense quotes online, we do the heavy lifting. We gather your information once and shop it across our network of carriers, presenting you with the best options.
• Trust and Integrity: Insurance By Heroes was founded by a former first responder and military spouse and is staffed by professionals with similar backgrounds. We bring a commitment to service, honesty, and building trust to every client interaction.

What to Look For in Final Expense Insurance Companies:

When we evaluate final expense insurance carriers for our clients, we consider several factors:

• Financial Stability: It’s crucial that the company providing your final expense insurance coverage will be around to pay the claim when the time comes. We prioritize carriers with high ratings from independent rating agencies like A.M. Best (look for ratings of A-, A, A+, or A++).
• Reputation for Customer Service and Claims Payment: How does the company treat its policyholders? Do they have a history of paying claims promptly and fairly? We look at industry reputation and client feedback.
• Competitive Premiums: While cost isn’t everything, finding affordable final expense rates is important. We compare pricing across carriers for similar coverage.
• Appropriate Policy Features: Does the policy offer level premiums? Is the death benefit guaranteed not to decrease? Are the terms of any graded benefit period clear and fair? Are there any useful riders available (like an accidental death benefit)?
• Suitable Underwriting: Does the company offer simplified or guaranteed issue options that fit different health profiles? Are their underwriting guidelines fair and transparent?

Choosing the right final expense insurance policy involves more than just finding the cheapest premium. It’s about finding the best value – the right balance of cost, coverage, carrier strength, and policy features that match your individual needs. Let the experienced team at Insurance By Heroes, your trusted final expense brokers, guide you through the process. We’ll help you compare the top final expense companies and find the final expense plan that provides true security and peace of mind.

Getting Your Personalized Final Expense Insurance Quotes

Now that you understand the importance, function, and types of final expense insurance, the next step is to see what specific options and rates are available for you. Getting personalized final expense quotes is straightforward and essential for making an informed decision.

The Quoting Process

Typically, obtaining final expense life insurance quotes involves providing some basic information:

• Your date of birth (determines age)
• Your gender
• Your state of residence (rates can vary by state)
• Tobacco use status (yes/no, and when you last used)
• Desired coverage amount (e.g., $10,000, $15,000, $25,000)
• Basic health information (usually involves answering yes/no to key health questions for simplified issue, or indicating if guaranteed issue is needed)

This information allows an agent or quoting system to generate preliminary estimates from various final expense insurance carriers.

Final Expense Quotes Online vs. Working with an Agent

You might see options to get instant final expense quotes online. While these can provide a quick ballpark figure, they often lack the nuance needed for accuracy, especially concerning health conditions. An online form might not capture the specifics that differentiate whether you qualify for a carrier’s best rate, a graded rate, or need guaranteed issue.

Working directly with a licensed independent final expense agent, like those at Insurance By Heroes, offers significant advantages:

• Accuracy: We can ask clarifying questions about your health to ensure the quotes reflect the type of policy you’re most likely to qualify for.
• Guidance: We can explain the differences between the quotes, the carriers, and the policy features (e.g., graded periods).
• Market Access: We run quotes through multiple carriers simultaneously, providing a broader comparison than most instant online tools.
• Personalization: We help you determine the right coverage amount based on your estimated final expenses and budget.

Getting final expense burial insurance quotes or a final expenses insurance quote is the crucial step from learning about the product to seeing how it applies to you. Whether you’re looking to buy final expense insurance for yourself or exploring final expense insurance for parents, obtaining accurate quotes is key.

Common Questions About Final Expense Insurance

Here are answers to some frequently asked questions about final expense life insurance:

Is final expense insurance the same as life insurance?

Yes, final expense insurance is a specific type of life insurance, almost always whole life insurance. It’s characterized by smaller coverage amounts ($5,000-$50,000), simpler underwriting (often no medical exam), and level premiums, designed primarily to cover end-of-life costs rather than replace income.

Can I be denied final expense insurance?

It’s possible to be declined for *simplified issue* final expense insurance if your answers to health questions indicate very high-risk conditions according to that specific carrier’s guidelines. However, *guaranteed issue* final expense insurance is available to nearly everyone within the eligible age range (typically 50-85) regardless of health, although it comes with higher premiums and a graded death benefit period (usually 2 years).

Does the death benefit cover only funeral costs?

No. While the *purpose* is typically to cover funeral and other final expenses, the death benefit is paid directly to your named beneficiary (or beneficiaries). They receive the funds tax-free and can use the money for any purpose they see fit – covering the funeral, paying off medical bills or debts, covering living expenses, or anything else. There are no restrictions on how the beneficiary uses the final expense benefits.

Do premiums increase over time?

No. For final expense whole life insurance policies (the most common type), your premium rate is locked in at the age you purchase the policy and will remain level for your entire life, as long as you keep the policy in force by paying the premiums. This provides budget certainty.

Is a medical exam required to buy final expense insurance?

Typically, no. Simplified issue policies require answering health questions but do not require a physical exam, blood tests, or urine samples. Guaranteed issue policies require neither health questions nor a medical exam. This makes final expense coverage much more accessible than many traditional life insurance policies.

What happens if I outlive the policy?

Because final expense insurance is usually whole life insurance, it is designed to last your entire life. As long as you continue paying the premiums, the coverage remains in force until you pass away, at which point the death benefit is paid to your beneficiary. You cannot outlive a whole life policy.

Can I buy final expense insurance for my parents or another relative?

Yes, you can purchase a final expense policy for someone else (like a parent, grandparent, or even a sibling) provided two conditions are met:

1. The person being insured must give their consent and usually sign the application.
2. You must have an “insurable interest,” meaning you would suffer a financial loss or hardship upon their death (e.g., you would be responsible for their funeral costs). This is almost always presumed to exist between close family members.

Purchasing final expense insurance for parents is a common way adult children provide peace of mind for themselves and their aging parents.

Why Choose Insurance By Heroes for Your Final Expense Needs?

Choosing the right insurance policy is important, but choosing the right partner to help you navigate the options is equally crucial. At Insurance By Heroes, we offer a unique blend of expertise, access, and commitment rooted in our background of service.

Here’s why countless individuals and families trust us with their final expense insurance needs:

• Service-Oriented Foundation: Founded by a former first responder and military spouse, and staffed by professionals with public service backgrounds, we understand the values of duty, integrity, and putting others first. We bring that commitment to serving you.
• Independent Advantage: As independent final expense brokers, we work for YOU, not for an insurance company. We partner with dozens of the industry’s leading final expense insurance carriers.
• Unbiased Market Comparison: Our independence allows us to shop the entire market on your behalf. We compare final expense coverage, rates, and underwriting niches from multiple companies to find the optimal fit for your specific health profile and budget. We don’t push a single product; we find the right solution.
• Tailored Final Expense Solutions: We know that one size never fits all. We listen to your needs, analyze your situation, and recommend final expense insurance plans designed to provide the right amount of protection affordably.
• Expert Guidance: Our licensed agents specialize in final expense life insurance. We understand the complexities of simplified vs. guaranteed issue, graded benefits, and carrier-specific underwriting, guiding you to the best possible outcome.
• Simplified Process: We strive to make finding and applying for final expense insurance easy. We handle the comparison shopping and guide you through the application, saving you time and hassle.

We believe that planning for final expenses is an act of responsibility and love towards your family. Let Insurance By Heroes be your trusted partner in securing that peace of mind.

Take Control: Get Your Free Final Expense Quotes Today

You’ve learned about the importance of final expense insurance, how it works, and the factors that influence costs. Now is the time to take the next simple, yet vital, step towards protecting your loved ones from future financial burdens.

Don’t leave your family guessing or struggling to cover unexpected costs during an already emotional time. Secure the peace of mind that comes from knowing your final wishes are provided for.

Fill out the quick and easy quote form right here on this page. By providing just a few basic details, you’ll allow the dedicated team at Insurance By Heroes to start comparing personalized final expense insurance quotes from dozens of top-rated carriers on your behalf. There’s no obligation, just clear information to help you make the best decision.

Let us put our expertise and market access to work for you. Get your free final expense life insurance quotes from Insurance By Heroes now and take the first step towards securing your legacy and protecting the ones you care about most.