Generally, there are no restrictions on how the death benefit from a final expense insurance policy can be used. Once the benefit is paid out to the beneficiaries, they have the freedom to use the funds in any manner they see fit. While the primary intention is to cover funeral and burial costs, beneficiaries can also use the money to pay off the deceased’s debts, legal expenses, or any other financial needs. This flexibility allows the beneficiaries to prioritize expenses and use the death benefit in the way that is most beneficial for them during a difficult time.