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Final expense insurance is a life insurance policy designed to cover end-of-life costs. You can get approved easily, but the death benefit is typically smaller.

The average cost of a funeral in the U.S. is $7,000 to $9,000, according to the National Funeral Directors Association. That doesn't include medical bills, legal fees and other end-of-life costs.

Getting life insurance usually requires a medical exam so your provider gets a clearer picture of your health status. But some policies don't require an exam, including group life insurance and burial ...