Final Expense Life Insurance
Your Commitment to Your Family Lives On
A Final Expense life insurance policy can offer your family peace of mind in their time of grief.
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What is Final Expense Life Insurance?
Final expense insurance is a type of whole life insurance that helps cover end-of-life costs, such as funeral and burial costs or other final expenses1. With WoodmenLife, you can apply for up to $50,0008 in coverage in as little as 10 minutes. Just answer a series of questions. No invasive medical exams required9.
What Makes WoodmenLife Final Expense Life Insurance Different?
We've designed our Final Expense life insurance to be simple, quick, and comprehensive. That way, you can plan ahead with confidence.
Fast Application
Apply in as litle as 10 minutes.
Stress-Free Process
Just answer a series of questions. No invasive medical exams required2 — no needles or swabs.
Meaningful Coverage
Depending on the type of plan, up to $50,0001 is available, starting after your first payment is received.
Accelerated Benefit Rider4
Access a portion of your benefit while living if you’re diagnosed with a qualifying terminal illness.
Extras for Members
With WoodmenLife, you get more than a policy. You get thoughtful support for you and your family.
LawAssure™
Self-Service Legal Documentation
Complimentary access10 to online templates for wills, powers of attorney, and healthcare directives.
Financial Education
Build Confidence in Your Financial Decisions
Take charge of your financial journey through customized learning experiences11.
Community Activities
Connect and Have Fun Locally
Enjoy events and attractions with other members and guests.
Final Expense Calculator
Find Out What Your Burial or Cremation Might Cost
Compare Coverage
Final Expense Life Insurance vs. Other Whole Life Insurance
Final Expense | Whole Life |
|---|---|
| Coverage | Coverage |
Permanent | Permanent |
Helps cover end-of-life expenses, such as funeral, cremation and burial costs1 | Often used for broader financial planning, income replacement and leaving a legacy |
| Benefit Amount | Benefit Amount |
Typically smaller death benefit, often less than $50,000 | Typically larger death benefit, sometimes into the millions |
Premiums are generally lower | Premiums are generally higher |
| Underwriting | Underwriting |
No invasive medical exams required2 — no needles or swabs | Often requires a medical examination |
Policy can be issued quickly | Policy takes longer to issue |
| Types | Types |
Final Expense Whole Life | 10 Pay Whole Life |
20 Pay Whole Life3 | |
Whole Life Paid-up at 65 | |
Whole Life Paid-up at 100 | |
| Included Riders | Included Riders |
Accelerated Death Benefit Rider4 | Accelerated Death Benefit Rider5 or Chronic and Terminal Illness Accelerated Death Benefit Rider6 |
| Optional Riders7 | Optional Riders7 |
Accidental Death Benefit Rider can be added for a fee to customize benefits | Accidental Death Benefit Rider |
Disability Waiver of Premium Rider | |
Applicant Waiver of Premium Rider | |
Guaranteed Insurability Rider | |
| Issue Ages | Issue Ages |
50-85 (Varies by type of insurance) | 0-85 (Varies by type of insurance) |
Why WoodmenLife
Discover The Value We Bring
Build a Plan That is Right for You
Find A Local Representative
Make smart choices for your future. We can help you find the best way to reach your goals.
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