1. What kind of service do you want? Median costs from the National Funeral Directors Association (2023).

Burial with viewing~$8,300

Cremation with service~$6,280

Direct cremation~$2,500

Larger / traditional~$12,000

2. Outstanding debts Credit cards, car loan, personal loans your family would inherit.

3. Expected unpaid medical bills Anything not covered by insurance.

4. Cushion to leave your family A little extra for lost time from work, travel, and immediate needs.

None

$5,000

$10,000

$15,000

Estimated coverage to considerA starting point — your agent can fine-tune it free.

This is an educational estimate, not a quote or advice. Actual final-expense policy amounts, rates, and eligibility vary by age, health, and state. A licensed agent can compare real options for you at no cost.

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How Much Coverage Does Your Family Need?

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