Final Expense Life Insurance in Philadelphia and Our 12-State Service Area
Final expense life insurance—also called burial insurance—helps cover end-of-life costs so your loved ones aren’t left with unexpected bills. The Medicare Mensch works with clients in Philadelphia, across Pennsylvania, and in our 11 licensed states to find affordable policies that provide peace of mind and financial protection for your family.
What Final Expense Insurance Covers
These plans are designed to help pay for:
Funeral and burial costs
Cremation services
Outstanding medical bills
Small debts or final expenses
Why Choose Final Expense Life Insurance?
Unlike traditional life insurance, final expense policies:
Offer smaller benefit amounts, often between $5,000 and $25,00
Have simplified underwriting—many applicants are approved without a medical exam
Provide coverage designed specifically for end-of-life needs, not large estate planning
Types of Policies
01.
Level Benefit Plans
Full coverage begins immediately after approval
02.
Graded Benefit Plans
Limited payout in the first 2 years, then full benefits after
03.
Modified Plans
Designed for those with more significant health concerns
Philadelphia and Regional Considerations
Funeral costs in the Philadelphia area often range from $7,000 to $12,000, depending on services and burial type. We’ll help you choose a benefit amount that covers these expenses based on local averages—whether you’re in Fishtown, South Philly, Cherry Hill, Wilmington, or elsewhere in our service area.
Common Questions About Final Expense Insurance
Can I get coverage if I have health issues?
Yes—many carriers offer simplified underwriting.
Is this the same as prepaying for a funeral?
No, but the benefit can be used for funeral costs or any expenses your loved ones face.
How quickly is the benefit paid out?
In most cases, within days of claim approval.
Next Step
Schedule your free consultation today. We’ll compare final expense policies from multiple carriers, explain the differences in plain language, and help you choose coverage that protects your loved ones when it matters most.