What Does Burial Insurance Cover?

Burial insurance, often called final expense insurance, is life insurance intended to help with funeral or other end-of-life costs. The amount payable depends on the policy, its effective date, exclusions, and any limited-benefit period. A named beneficiary generally receives a death benefit under the written terms and decides how to use it, subject to any assignment or other policy arrangement.

Some policies ask health questions or require an exam; others may have different eligibility rules. Ask an insurer or licensed agent for a current quote and the written benefit schedule. For funeral or cremation costs, request itemized prices from providers you might use. The FTC Funeral Rule explains price-information rights.