For nearly 100 years, AIG Insurers have been committed to insuring families and their futures.

Get life insurance coverage without health questions or a medical exam.

Your acceptance is guaranteed if you're between the ages of 50 and 85.

Millions of people worldwide trust us to help protect their loved ones.

How much life insurance do I need for my final expenses?

The amount of life insurance you may need to cover your final expenses depends on a few factors such as what final expenses you may have, where you live and your budget.

What are final expenses?

Final expenses is a broad term for all the costs you may leave behind after you pass away.

It may include costs such as your:

  • Funeral
  • Burial
  • Cremation
  • Unpaid medical debt
  • Co-signed credit card debt

These items can cost hundreds or thousands of dollars. The exact amount will vary depending on what debts you had before you passed away and what type of funeral your family holds in your honor.

The cost of a funeral, burial or cremation can vary widely depending on which services and facility your family selects. The median cost for an adult funeral in 2017, with viewing, burial and a vault, was $8,755.2

But if your family chooses a more simple option, such as a cremation and viewing, it drops down to $6,260.3

Life insurance can help pay for some or all of these costs.

How can I cover my final expenses?

AIG Guaranteed Issue Whole Life Insurance may help your family pay for your final expenses after you pass away.

If you enroll in a policy, your family will have the freedom to use the policy’s death benefit (your coverage amount) however they choose. This means they can use it for any of the final expenses mentioned above, in addition to other costs that come up.

You can choose a coverage amount ranging from $5,000 up to $25,000 depending on your needs and budget.

If you’re between the ages of 50 and 85, your acceptance is guaranteed. This means you don’t have to answer any health questions or submit to a medical exam to apply.

How much coverage do I need?

The coverage amount you may need is personal and will vary widely.

You can get an initial estimate by making a list of the final expenses you expect you will have. For example, you can ask yourself questions such as:

  • How much money will my family need to pay for my funeral?
  • Do I want a simple cremation or a fancy funeral?
  • Will I leave any co-signed debts behind?
  • Do I want to leave my family any extra money?

If you live in an affordable area and want a simple cremation, you may only need a life insurance policy with a small coverage amount.

However, if you have high amounts of debt and want your family to hold an elaborate funeral, you may want to consider getting more life insurance coverage.

These questions are just a starting point. A licensed insurance agent can suggest a more accurate coverage amount.

It only takes a few minutes to review your personal details and find coverage that works for your needs.

You can get a personalized estimate by calling a licensed insurance agent at 1-888-243-0322 or by filling out the form below.

Request your free life insurance quote.

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1The advertised $19 monthly rate is only applicable to a 50-year-old woman receiving $5,000 worth of Guaranteed Issue Whole Life Insurance coverage. Premiums will vary by issue age, gender and face amount. Premiums are level and guaranteed not to increase. Benefits amounts are subject to limitations.

2Median cost of an adult funeral with viewing, burial and vault in 2017, according to the National Funeral Directors Association “Statistics” page, updated on 1-4-18.

3Median cost of an adult funeral with viewing and cremation in 2017, according to the National Funeral Directors Association “Statistics” page, updated on 1-4-18.

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Policies issued by American General Life Insurance Company (AGL) Houston, TX. Policy number ICC15-15532, 155332, 15532-5, 15532-10 and; Rider numbers ICC15-15200 and ICC15-15201. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). Guarantees are backed by the claims-paying ability of AGL. Products may not be available in all states and product features may vary by state. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. For additional information, please visit our website at Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc.

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