Final Expense Insurance
Final Expense Insurance – Affordable Burial Insurance in TN
Planning ahead means everything, especially when it comes to easing the burden on your loved ones. At Queener Insurance, we help families across Morristown and East Tennessee secure
final expense insurance—a simple, affordable way to cover end-of-life costs like funeral services, burial, cremation, and final bills. These small
whole life policies provide peace of mind, ensuring that no one has to scramble for funds during a difficult time.
Coverage That Brings Peace of Mind
A typical funeral in Tennessee can cost $8,000–$10,000 or more, and that’s before adding in medical bills, unpaid debts, or travel for out-of-town family members. A
final expense insurance policy—sometimes called
burial insurance or
funeral insurance—helps cover these costs. Most policies offer coverage between $5,000 and $25,000, giving your family the ability to plan a proper farewell without financial stress.
How These Policies Work
Final expense insurance is usually a whole life policy. That means:
- Premiums stay the same for life
- Coverage never decreases
- The policy lasts as long as you live (as long as premiums are paid)
Most policies don’t require a medical exam. You’ll answer a few basic health questions—and even if you have health challenges, we can often find a plan that works. If your health is a concern, we also offer
guaranteed issue plans that skip the questions entirely (with a short waiting period before full benefits apply). Most options are available to those
ages 50 to 85.
Why Final Expense Coverage Makes Sense
Families in Morristown and surrounding communities like White Pine, Talbott, and Russellville often choose final expense coverage because:
- It’s affordable – Monthly premiums can be as low as $20–$40 depending on age and amount.
- It pays a tax-free benefit – Your chosen beneficiary gets a lump sum payout to use as needed.
- It’s fast and simple – Many policies are approved quickly and benefits are paid out promptly after death.
Even a small policy can make a big difference. We’ve seen firsthand how a $10,000 benefit has helped families plan a respectful service and take care of lingering bills—without dipping into savings or relying on credit.
We Help Seniors Navigate Their Options
Many of our clients are seniors living on fixed incomes or with health conditions like diabetes or heart issues. That’s okay—these policies are designed with you in mind. We’ll walk you through your options, explain
graded benefit plans when applicable, and ensure you’re never confused about what you’re buying. We also work with digital-first partners like Ethos for those who prefer a quick online application process.
Taking the Burden Off Your Loved Ones
Final expense insurance isn’t just for you—it’s for the people you care about. It ensures your family can focus on healing instead of figuring out how to pay for a service. Whether you want to be buried in a local cemetery, cremated, or leave a small gift behind, this policy helps you plan your way.
Let’s Get You a Quote Today
It only takes a short conversation to get started. Whether you’re considering coverage for yourself or helping a parent get insured, we’ll make it easy. Most of the time, all we need is a few health details and basic info to get you a quote—no medical exam required.
What age can you get final expense insurance?
Typically, final expense policies are offered to people roughly between age 50 and 85 (exact range varies by insurer). It’s most common for seniors in their 60s, 70s, or 80s to purchase these. If you’re under 50, you might not need a specialized final expense policy – a standard term or whole life could suffice for covering funeral costs. But if you’re in that senior age range, final expense plans are tailored for you and easier to get approved for, even with health issues.
If I have health problems, can I still get coverage?
In many cases, yes. Final expense insurers understand health conditions are common as we age. Depending on your health, you might qualify for a Level benefit (full coverage from day one if relatively moderate health issues) or a Graded benefit if you have more serious conditions (which usually means if you pass in the first 2 years from natural causes, the policy might pay a reduced amount or just return premiums + interest, but after 2 years it pays full). There are even Guaranteed Issue policies that ask no health questions at all – those have a 2-year waiting period for full benefits but anyone in the age range can get them. We’ll find the best option that gives you some immediate coverage if possible.
How much final expense coverage should I get?
Think about what expenses you want to cover. Funeral and burial or cremation can be $8,000 or more. Are there any medical bills or credit card debts you’d like to insure against? Do you want to leave a small gift to a family member or a charity? Common policy amounts we see are $10,000, $15,000, $20,000 – those cover a typical funeral and some extra. If you want a very basic cremation, maybe $5,000-$7,000 could suffice. If a full funeral and some debt coverage, maybe $20,000 or $25,000. We can discuss local funeral cost averages and your personal situation to choose an appropriate amount.
Will the insurance company really pay out quickly when needed?
Yes, life insurance death claims are generally paid out promptly once the insurer receives a death certificate and claim forms. Many final expense oriented companies pride themselves on quick payout (some even within 24-48 hours of claim approval) so families can use the funds for funeral expenses. We, as your agent, can also assist your loved ones in filing the claim to make it as easy as possible during a difficult time. That’s part of why having a local agent is helpful.
Can I buy a policy for my parents or grandparents?
You can pay for the policy, certainly, but the insured person (your parent/grandparent) will typically have to sign the application or consent, and they will be the insured person. You can be the owner or payer of the policy, and you can be the beneficiary. This is commonly done – adult children buy a final expense policy on Mom or Dad to ensure funds are there when needed. We’ll just need to involve them for the consent and a few health questions (if any). It’s a loving step to take and we can guide you through it respectfully.
