Education Center

Final Expense & Legacy Protection

Planning ahead can help reduce the financial burden placed on the people you love. Understanding final expenses and legacy protection can help you decide what you want your financial protection to accomplish.

Where to begin

What Do You Want to Leave Behind?

Legacy planning isn’t reserved for wealthy families.

At its simplest, legacy planning means thinking intentionally about what happens financially when you’re no longer here.

Four generations of one family sitting together on a sofa, all looking at a newborn baby held by the child's mother.

What the costs can include

Understanding Final Expenses

Final expenses may include costs associated with:

  • Funeral or memorial arrangements
  • Burial or cremation
  • Remaining household obligations
  • Medical expenses
  • Other end-of-life costs

  • Final Expense insurance is generally a form of life insurance designed to provide a death benefit that beneficiaries may use toward these and other needs.

  • But purchasing a policy shouldn’t be the first question.

Start with:

If something happened to me, what financial responsibilities would my family inherit?

Beyond funeral costs

Legacy Is Bigger Than Final Expenses

A grandmother and grandfather sitting on a park bench in soft daylight, holding hands with their young granddaughter.

For some families, protection may extend beyond funeral costs.

You may want resources available to:

  • Support a surviving spouse
  • Help children or grandchildren
  • Address debts or other obligations
  • Support charitable or faith-based causes
  • Create financial breathing room for loved ones
  • Leave resources intentionally

Life insurance can sometimes play a role within those objectives.

Bring these with you

Questions Worth Asking

  1. Have I planned for my final expenses?
  2. Would my family have immediate financial resources available?
  3. Are my beneficiaries current?
  4. Does my existing coverage still reflect my wishes?
  5. What financial responsibilities could remain?
  6. What do I want the resources I leave behind to accomplish?

Start a Legacy Conversation

Legacy begins with intention—not a product.
Start a Conversation Back to the Education Center

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Important Medicare disclosure

The following applies to our Medicare products. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

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