Burial & Final Expense

Secure Peace of Mind with Burial Insurance Guidance from Schwenker Senior Insurance

Final Expenses Aren’t Just About You. They’re About the Ones You Leave Behind.


When the time comes, your family shouldn’t be left making hard decisions while also handling surprise bills. Final expense insurance — sometimes called burial or funeral insurance — helps take that weight off their shoulders.


It’s a simple, affordable way to make sure the people you care about aren’t left wondering how they’ll pay for everything. Instead, they can focus on honoring your life and beginning the healing process.

A wooden coffin is sitting in a room next to flowers.

How Final Expense Insurance Helps

This kind of coverage is designed to be easy. In most cases, there’s no medical exam, and approval is based on a few basic health questions. You choose the amount, you choose your beneficiary, and they receive a tax-free lump sum when it’s needed most.



That money can be used for things like:


  • Funeral or memorial services


  • Cremation or burial


  • Casket, urn, flowers, or headstone


  • Final medical bills or small debts


  • Travel expenses for loved ones


  • Or anything your family needs in that moment


It’s not just about covering costs — it’s about giving your family options, comfort, and time to breathe.

Why People Choose It

Most of us don’t like thinking about end-of-life expenses, but the reality is that funerals and final arrangements can add up quickly. A basic funeral can cost $8,000 to $12,000 or more. Cremation isn’t cheap either, often landing between $4,000 and $7,000. And that doesn’t include flowers, obituaries, or time off work.


Planning ahead with final expense insurance means your family isn’t left scrambling or taking on debt. It gives them a plan. And it gives you peace of mind.

Real Stories. Real Comfort.

Frank was 72 when he passed away unexpectedly. Thanks to the policy he put in place years earlier, his children didn’t have to worry about funeral costs. They were able to fly in family, host a beautiful service, and even make a donation to his favorite charity — just like he’d wanted.


Mary, 68, chose cremation and left her daughter as the beneficiary of a $10,000 policy. It helped cover everything smoothly, from the cremation service to a small hospital bill. Her daughter even took a few days off work without financial stress, knowing her mom had thought of everything.

Is This Right for You?

Final expense insurance might be a good fit if you:


  • Want to make things easier for your family


  • Don’t have savings set aside for end-of-life costs


  • Have had health challenges and need something easy to qualify for


  • Like the idea of leaving behind a small gift or final gesture


This coverage is often overlooked — but it can be one of the most meaningful decisions you make.

Not Sure If Final Expense Is the Right Fit?

Everyone’s situation is different. For some people, a term life insurance policy might offer more coverage for less money — especially if you’re younger and healthy


We’ll help you weigh the pros and cons so you can make a decision that works best for your family.

Peace of Mind Starts with a Conversation

The best time to prepare is before it’s needed. One short conversation today could save your loved ones thousands — and give them the comfort of knowing everything’s taken care of


Let’s talk through your options. No pressure, just honest answers and a plan that fits your life.