Affordable Coverage for Life’s Final Arrangement Costs.
✓ Local agents
✓ a-rated national carriers
Planning ahead brings peace of mind. At Sacramento Life Insurance, we help local families get final expense life insurance — a simple, affordable way to protect your loved ones from financial burdens after you pass.
We’re independent agents who work with the nation’s top-rated life insurance carriers. That means we can shop around to find the best plan for your needs and budget. And since we’re based here in Sacramento, we’re available to meet with you by phone, Zoom, or in person.
What Is Final Expense Life Insurance?
Final expense life insurance — also called burial insurance or funeral insurance — is a small, permanent life insurance policy. It’s designed to help cover your final bills and protect your family from unexpected costs when you pass away.
It’s commonly used to pay for things like:
- Funeral or cremation expenses
- Grave, plot, headstone
- Medical bills
- Unpaid debts
- Probate or legal fees
These policies are simple, easy to qualify for, and usually don’t require a medical exam. That’s why they’re popular with seniors or anyone looking for low-cost, no-hassle life insurance.
Some Unexpected Costs Associated With Final Expenses
Costs Associated With A Traditional Burial And Their Average Price:
- Body Transportation and cold storage – $2300
- Body Preparation ~$1050
- Obituary in paper – $450
- Flowers, Venue, and Setup – $1200
- Preacher and service fees – $750
- Plot – $2500
- Opening and closing of grave – $1200
- Casket – $1000 – $5000
- Headstone – $2500
As you can see, a traditional burial can cost upwards of $10,000 to $20,000 or more.
Costs Associated With A Cremation And Their Average Price:
- Body Transportation and Storage – $2300
- Obituary – $450
- Flower arrangements – $2300
- Flowers, Venue, and Setup – $1200
- Preacher and service fees – $750
- Cremation Box – $150
- Urn – $250-$800
A cremation is cheaper than a traditional burial, but it still can cost up to $5000 – $10,000 or more.
And of course, these are today’s current average prices. (Not accounting for inflation.) And most people pass away years after they purchase their final expense policy. So often, people need more coverage to account for the various costs involved in final arrangements and the inflation factor.
Fast, Free Consultation
We customize every quote to get you the best price with the best carrier that you qualify for.
Key Features of Final Expense Insurance
Here’s what makes these final expense policies so attractive:
- Coverage amounts from $3,000 to $40,000
- Whole life insurance (your coverage never expires)
- Fixed premiums that never increase
- Guaranteed death benefit
- Builds cash value over time
- Many plans are available with no medical exam
- Payout to your beneficiary within 48-72 hours
Who Needs Final Expense Insurance?
This type of burial insurance is ideal for:
Seniors aged 50–85
• People who don’t have other life insurance
• Anyone who wants to make sure funeral expenses are covered
• Those with health concerns who may not qualify for traditional life insurance policies
• Anyone looking for simple, lifetime coverage
If you don’t want your loved ones to be burdened with unexpected costs after you’re gone, final expense insurance is a smart, caring choice.
How Final Expense Life Insurance Works
Final expense insurance is designed to be simple and fast.
Here’s how the process works:
Choose a coverage amount based on your goals and budget
Meet with a local agent — in person, by phone, or Zoom
Answer a few health questions (many policies skip the exam)
Get approved quickly — sometimes instantly
Policy stays in force for life, as long as premiums are paid
Your family gets the payout when they need it most
Why Choose Sacramento Life Insurance?
We’re not tied to just one insurance company — we work with dozens of the best, A-rated carriers in the country. That means we can compare multiple plans and get you the best rates available.
Local clients choose us because:
- We’re based in Sacramento and know the community
- We offer free quotes and no-pressure consultations
- Our agents are licensed, experienced, and friendly
- You can meet us in person, by phone, or online
- We help with health issues, budget concerns, and finding the perfect fit
No pushy salespeople. Just real people helping real families.
What Does Final Expense Insurance Cost?
Final expense insurance is surprisingly affordable — especially compared to other types of life insurance. Your exact cost depends on your age, gender, and health.
Sample Monthly Premiums for a $10,000–$20,000 Policy:
| Age | $10,000 Policy | $20,000 Policy |
| 55-year-old | $35–$45 | $65–$85 |
| 65-year-old | $50–$65 | $95–$120 |
| 75-year-old | $80–$105 | $150–$200 |
| 80-year-old | $100–$130 | $180–$240 |
Note: Your actual rate will depend on your health and the carrier we place you with.
How to Apply for Final Expense Insurance in Sacramento
Applying is easy — it takes less than an hour.
Here’s the step-by-step process:
- Get a free quote — online or with one of our friendly agents
- Answer a few basic questions — like age, health, and coverage goals
- We shop multiple A-rated insurance companies to find your best fit
- Choose your plan and submit your application
- Many policies are approved the same day (no exam needed)
It’s really that simple. No red tape, no long forms, and no waiting weeks for a decision.
Free Custom Quotes
We customize every quote to get you the best price with the best carrier that you qualify for.
We Serve Sacramento and Surrounding Areas
Whether you live in the city or the suburbs, our agents can help you. We serve all of Sacramento County and surrounding areas, including:
- Elk Grove
- Roseville
- Rancho Cordova
- Citrus Heights
- Carmichael
- Fair Oaks
- Folsom
- Natomas
- Arden-Arcade
- West Sacramento
Live nearby but not on this list? No problem. We’ll still help!
Final Expense vs Term Life vs Whole Life
| Type | Coverage | Length | Medical Exam? | Cash Value? |
| Final Expense | $3K–$40K | Lifetime | Usually No | Yes |
| Term Life | $50K+ | 10–30 Years | Sometimes | No |
| Whole Life | $25K+ | Lifetime | Sometimes | Yes |
Final expense insurance is a smart choice if you’re looking for simple, lifelong protection with no surprises.
Simple. Fast. Personal.
Our mission is to make life insurance simple and stress-free. Whether you’re planning ahead for yourself or helping a loved one prepare, we’re here to guide you every step of the way.
With Sacramento Life Insurance, you can:
✔️ Compare final expense quotes
✔️ Speak with a local licensed agent
✔️ Get covered in less than an hour
No pressure. No confusing jargon. Just clear answers and affordable solutions.
Call Now or Request a Free Quote
Let’s find the right policy for you — one that fits your needs and your budget.
Contact us today for a free consultation with a local agent. You can talk by phone, meet over Zoom, or schedule an in-person visit.
Sacramento Life Insurance
Your Local Final Expense Insurance Experts