How Much Coverage Do I Need for Final Expenses?
Match your policy to the real cost of a funeral.
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Quick Answer
Most people choose a final expense policy between $10,000 and $20,000, which is typically enough to cover a funeral, burial or cremation, and any small leftover bills — though the right number depends on your local funeral costs and other debts.
For more detail, see our explanation of average funeral cost in California.
Start by estimating your local funeral home costs, plus a casket or urn, burial plot or cremation fee, and any service you’d like. In California, that total often falls between $8,000 and $15,000. From there, consider whether you want the policy to also help pay off medical bills, credit cards, or other debts your family might otherwise inherit.
You don’t need to get the number exactly right on your own — a licensed agent can walk through your specific situation and recommend a coverage amount and premium that fits your budget.
Ready to see your real options? Call (877) 486-3215 now to speak with a licensed agent and get a free, no-obligation final expense insurance quote.
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