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Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.
The legal proceedings referred to as probate, and related accounting fees, can be a shock to family and loved ones. Probate costs vary by state while the probate process can take months, or years.
A funeral can be one of your family’s largest expenses. The average cost of a funeral is $8,300.1 While many believe that cremation is a far less expensive option, data shows that the cost is only 28% less than the traditional funeral.1
Final expense insurance offers competitive, fixed premiums that do not change over time.
The cash benefit from final expense insurance can help cover funeral and burial costs, medical needs or anything else that will help loved ones.
Answer a few health questions to apply for coverage, with fixed monthly premiums.
Your final expense insurance coverage remains in place as long as your premiums are paid up.
Our final expense insurance plans build cash value – a sum of money that can be used to borrow against or use it as a non-forfeiture benefit.
We offer flexible payment options or you can align your payment with your Social Security deposit.
Depending on your needs and budget, Aflac has a plan to help meet your needs.
Request a QuoteThere two final expense life insurance plans offered by Aflac. After applying, you will be offered the best value based upon your age and health questionnaire responses.
Full face value from policy issue if death is due to an accident or natural causes.5
Accidental death
Full benefit immediately
Non-accidental death
All policy years = full benefit
Choose a benefit in the following range:
| Issue age6 | Min. death benefit | Max. death benefit7 |
| 45-55 | $5,000 | $50,000 |
| 56-65 | $5,000 | $40,000 |
| 66-75 | $5,000 | $30,000 |
| 76-80 | $5,000 | $20,000 |
Full face value from policy issue if death is due to an accident.5
Accidental death
Full benefit immediately
Non-accidental death
Policy years 1 & 2 = limited benefit
Policy year 3 = full benefit
Choose a benefit in the following range:
| Issue age6 | Min. death benefit | Max. death benefit7 |
| 45-75 | $2,000 | $25,000 |
(available for Level Plan only)
This rider pays up to 50% of the death benefit (less policy loan) if a physician provides written certification that the insured meets the definition for a qualifying event, which is a medical condition that results in a terminal illness with a life expectancy of less than 12 months. The minimum benefit is $1,000, and the maximum benefit is $15,000. An administrative fee not to exceed $200 will be taken from the benefit amount.
This rider pays 100% of the base policy’s face amount for accidental death for issue ages from 40 - 45.
This rider provides coverage for a child, stepchild, legally adopted child, grandchild, legally adopted grandchild, or great grandchild. This benefit is available from $2,500 up to a maximum of $10,000 per child, in $2,500 increments. Coverage amount selected will be the same for all covered children and may not exceed the face amount of the base policy. Issue ages begin at 30 days through under 18 years old. Policy becomes convertible to a whole life policy between the ages of 22 and 25.
A handful of factors influence how much final expense life insurance you truly need. We recommend looking at your monthly expenses to help determine how much money you’d like to guarantee your beneficiaries. Here are a few different bills to factor in:
The cost of a funeral, burial, cremation or other ceremony
Utility bills like electricity, water and garbage
Food, including groceries and dining out
Medical expenses
There are a few steps involved to apply for an Aflac final expense life insurance plan.
Request a quote or give us a call so we can walk you through all of your life insurance options.
While some insurance plans require a formal medical exam, final expense insurance usually only requires a brief health questionnaire.
This can be calculated by looking at your monthly household expenses, immediate needs and potential funeral expenses.
Once approved, you can rest easier knowing your beneficiary will receive the death benefit to help with your final expenses when the time comes.
If you find yourself in a situation where you want to provide better financial support for your loved ones, but the cost of a traditional whole life insurance policy is a little too high, final expense insurance may be the right choice for you. Experience the relief that comes with knowing your family can be better prepared with Aflac’s Final Expense Whole Life Insurance and celebrate every moment left together.
Get a Quote
© 2025 AFLAC INCORPORATED
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Except in New York, individual insurance and group dental and vision insurance is offered by American Family Life Assurance Company of Columbus. In NY both group and individual coverage is offered by American Family Life Assurance Company of New York. Group policies are offered by Continental American Insurance Company (CAIC). CAIC is not licensed to solicit business in New York, Guam, Puerto Rico or the Virgin Islands. In CA, CAIC does business as Continental American Life Insurance Company (CAIC NAIC 71730)
Dental and Vision plans are administered by Aflac Benefit Solutions, Inc.
Aflac Worldwide Headquarters | Columbus, GA
Aflac Group | Columbia, SC
American Family Life Assurance Company of New York | Albany, NY
Aflac’s Premium Life, Absence and Disability Services are available in all states, except Puerto Rico, Guam or the Virgin Islands, and are offered by Continental American Insurance Company (CAIC). Self-funded plans and absence services are administered by CAIC in all states but NY. In NY, self-funded plans and absence services are administered by and insurance is offered by American Family Life Assurance Company of NY. Administrative services are not insurance and are not considered legal advice. Products may not be available in all states and may vary depending on state law.
Direct to Consumer Business is underwritten by Tier One Insurance Company, doing business as Tier One Life Insurance Company in California (Tier One NAIC 92908)
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