Final Expense Insurance:
What It Covers,
What It Costs
The plain-English guide that explains everything your family needs to know — before it's too late to choose.
- The 3 types of final expense plans — and which one fits you
- How much does a funeral actually cost in 2026? (The real numbers)
- How to calculate the right coverage amount
- 5 costly mistakes families make — and how to avoid them
- Sample rates by age & gender from top-rated carriers
- 10 questions to ask any insurance advisor before you buy
No jargon. No pressure. Just the facts you need to protect your family.
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6 chapters packed with facts, real numbers, and actionable guidance
Chapter 1
What Is Final Expense Insurance?
Key characteristics, how it differs from life insurance, and what it actually covers (funeral, burial, cremation, and more).
Chapter 2
The Real Cost of Dying in 2026
Line-by-line breakdown of funeral costs — casket, service, burial vault, cemetery fees — and why costs have risen 40% since 2015.
Chapter 3
The 3 Types of Plans
Level Benefit, Graded Benefit, and Guaranteed Issue — who qualifies, sample rates by age, and when to choose each type.
Chapter 4
How Much Coverage Do You Need?
The simple formula to calculate your right coverage amount — and why the answer is almost always between $10,000 and $25,000.
Chapter 5
5 Costly Mistakes to Avoid
Waiting too long, using captive agents, underestimating costs, and more — real mistakes that cost families thousands.
Chapter 6
Questions to Ask Your Advisor
10 essential questions every buyer should ask before signing anything — so you know you're getting the right plan at the right price.
Rodney Cummings — Your Independent Insurance Advisor
I'm Rodney Cummings, founder of Legacy Wealth Services. As an independent advisor, I'm not tied to any single carrier — that means I shop the entire market to find the plan that truly fits your health, budget, and family's needs. I'm licensed in 22+ states and have helped hundreds of families secure the right coverage without pressure or confusion.
This guide is everything I wish clients knew before our first call. Read it, ask questions, and if you'd like a free personalized quote — I'm happy to help.
Ready for a Free, No-Pressure Quote?
After reading the guide, let's talk. A 15-minute call is all it takes to compare rates from top carriers and find the plan that fits your budget.