Final expense insurance, sometimes called burial or funeral insurance, is a modest whole life policy designed to cover end-of-life costs — funeral expenses, medical bills, or other debts left behind — so loved ones are not left to manage those costs during an already difficult time. It is, fundamentally, a way to plan ahead thoughtfully and spare your family that burden.

• Coverage amounts are typically smaller (often $5,000–$25,000), matched to real funeral and final expense costs

• Premiums are fixed and never increase, and coverage doesn’t expire as long as premiums are paid

• Options available that do not require medical underwriting, while some policies do

• Builds cash value over time, like other whole life policies

• Beneficiaries typically receive the payout quickly, with no restrictions on how it’s used

Original Medicare does not cover routine or comprehensive dental care. This is a gap that surprises many people, given how closely dental health is tied to overall health, particularly later in life. Some Medicare Advantage plans include limited dental coverage, but the scope varies considerably by plan and may not extend to more significant work such as crowns or implants.

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A standalone dental plan can help close that gap, whether you have Original Medicare paired with Medigap/Medicare Supplement, or a Medicare Advantage plan with limited dental benefits already included. We recommend reviewing your current coverage/needs before a procedure becomes necessary, so there are no surprises when the time comes.