While you might not have large financial responsibilities any longer, funerals can still add up. It's important to make sure you have enough to cover all the expenses, which can include: Burial or cremation Casket, urn, or other receptacle Flowers Cost to rent funeral home Embalming services Funeral home fees and paperwork You also might want to set some money aside for other expenses, such as music, food, or a traditional church service. If you’d prefer a small ceremony in a separate location where loved ones can scatter your ashes, consider associated costs like travel and accommodation. Beyond the cost of your funeral, some other end-of-life costs to consider include: Medical bills Credit card/other debts Money for spouse to live on Leaving a legacy If you’re still looking at other options, don’t forget that: Wills take a while to read and act on. If you hoped that your estate could cover funeral costs, you might end up putting loved ones in a financial bind. Social Security death benefits may be useful, but they’re not nearly enough to pay for most funerals. Consider your current savings and assets before applying for a final expense policy. Once you’ve added those up, the difference between those assets (savings, income, investments, etc.) and any end-of-life expenses is the coverage amount you should consider buying. Our agents can help you find the right coverage level for your needs.