Life insurance · Final expense · Planning
Love them. Leave them covered.
The kindest thing you can leave behind is a plan — and enough money that the people you love aren't left with the bills. We explain life and final expense insurance in plain English, with free tools to work out what you actually need.
- Honest guides — no scare tactics, no fake “government programs”
- Free calculators that don't ask for your phone number
- When you're ready, one licensed agent — never a call-center free-for-all
Free tools
Run the numbers privately first
How much life insurance do I need?
Add up debts, income to replace, the mortgage, education and final expenses to find a coverage amount.
EstimatorFinal expense insurance cost estimator
Ballpark monthly premiums for burial insurance by age, gender, tobacco and health.
LookupFuneral cost calculator by state
Estimated cost of burial, cremation and green burial in your state, line by line.
QuizWhich life insurance fits me?
Five questions point you to term, final expense, guaranteed issue or permanent coverage.
Checklist"If I died tomorrow" checklist
Everything your family would need to find — check it off and print it.
PrintableThe family kit
Fill-in pages for policies, accounts, contacts and final wishes.
How it works
Three steps to peace of mind
- Know your number.
Use the calculators to see how much coverage your family would really need — from a $10,000 funeral to replacing a paycheck.
- Understand your options.
Term, whole life, final expense or guaranteed issue — our guides explain who each is for, and who should skip it.
- Talk to one licensed agent.
When you're ready, we connect you with a single licensed agent who can compare insurers. No obligation, and you never pay us.
Guides
Straight answers to the hard questions
Final Expense Insurance: What It Is, What It Costs, and Who Should Buy It
Final expense insurance is small whole life coverage meant to pay for a funeral and last bills. Here's how it works, what it really costs by age, and when it's — and isn't — a good buy.
How Much Life Insurance Do I Need? A Simple, Honest Way to Figure It Out
Rules of thumb like "10 times your income" are a start, but your number depends on your debts, mortgage, kids and savings. Here's a step-by-step way to find the right amount.
How Much Does a Funeral Cost in 2026? A Line-by-Line Breakdown
The median funeral with burial runs about $8,300 before cemetery costs — often $12,000–$15,000 all-in. See what each line item costs, how cremation compares, and how to save.
Term vs. Whole Life vs. Final Expense: Which Life Insurance Is Right for You?
Term is cheap and temporary, whole life is permanent and pricey, final expense is small permanent coverage for funerals. Here's how to choose — with real-world examples.
What Happens to Your Debt When You Die? What Your Family Does — and Doesn't — Owe
In most cases your debts are paid from your estate, not by your children. Here's how credit cards, mortgages, car loans, student loans and medical bills are handled after death.
Life Insurance for Seniors: Your Options After 60, 70 and 80
You can still buy life insurance in your 60s, 70s and even 80s. Here's what's available at each age, what it costs, and how to avoid overpaying.
Frequently asked questions
Is LeaveThemCovered.com an insurance company?
No. We're an independent information site. We don't sell, quote or issue insurance. If you ask, we connect you with one licensed agent who can.
Does it cost anything to use the tools or talk to an agent?
No. Everything here is free. Participating agents may pay us an advertising fee, which never changes the price you'd pay for a policy.
Will I get flooded with calls?
No. Your request goes to one licensed agent — not a list of companies. Our tools don't ask for contact information at all.
What's the difference between life insurance and final expense insurance?
Final expense insurance is a small type of whole life insurance, usually $5,000–$30,000, designed to pay for a funeral and final bills. Larger policies like term life are designed to replace income and pay off a mortgage.
Free family kit + planning tips
Get our printable family kit and an occasional email with practical planning tips. No calls, ever.