Coverage · Final Expense

Final Expense Insurance in St. Louis, MO: Burial Coverage at a Price You Can Keep Paying

Keep the funeral bill off your family. Many final expense policies never raise the premium.

Funerals cost more every year, and a lot of families don't have the money set aside when it's needed. If you live in St. Louis City, St. Louis County or St. Charles County, a final expense policy is an easy way to have it covered.

St. Louis Senior Insurance helps seniors around St. Louis find burial coverage with a monthly cost they can live with. Applications are short, many policies skip the medical exam, and the money goes to the person you name.

Level premiums on many whole life policies
Coverage that never expires
A short application, often with no exam
Money paid straight to your family

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An older couple talking with their grown daughter on a brick front porch

Price final expense coverage with a licensed agent

Tell us your age and how much coverage you want. A licensed insurance agent compares level-premium and guaranteed-issue policies from the carriers we represent and calls you back on a weekday.

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What to expect

Free review

A licensed agent calls you back during business hours, Mon-Fri, 8:30am-5:30pm CT
Your doctors and prescriptions get checked before any plan is suggested
No fee for our help, and your premium is the same either way
No obligation to enroll, and no pressure if you'd rather stay put

Call us: 314-463-5815

Reviewed by the licensed insurance agents at St. Louis Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.

What Final Expense Insurance Covers

Final expense insurance is a whole life policy meant to pay for a funeral and other end-of-life costs. It pays out less than a regular life insurance policy, and in return the premium stays low and approval is easier.

What a policy gives you:

A monthly premium that stays level on most whole life final expense policies
Whole life coverage with no end date
Cash value that grows over time on most whole life policies
Money paid straight to the people you name
Coverage that stays in force while you pay the premium

With a level-premium policy, the rate is locked in when you're approved. Getting older or getting sick won't raise it, as long as you keep paying. If your health rules out other policies, a guaranteed-issue policy is an option. It asks no health questions and costs more, and in the first two years it usually pays only a partial benefit.

Also called burial insurance

Burial insurance, funeral insurance and final expense insurance are the same kind of policy. If you have Medicare in St. Louis, keep in mind that Medicare pays nothing toward a funeral or burial.

What a Funeral Costs in the St. Louis Area

Funeral prices have gone up for years. The National Funeral Directors Association put the national median for a funeral with a viewing and burial at about $8,300 in 2023. That number doesn't include the cemetery plot or the headstone. St. Louis funeral homes charge different amounts depending on the service and what the family picks, so ask each one for an itemized price list.

$8,000+

What the bill usually covers:

Funeral home services and staff
A casket or urn
Embalming and other preparation
A viewing and memorial service
A cemetery plot and burial charges
A headstone or grave marker
Transportation, death certificates and paperwork

A simple service still adds up

Without a policy, families often pay with savings, credit cards or an online fundraiser. A final expense policy puts the money in place ahead of time.

Burial Insurance in St. Louis: How a Policy Works

Whatever you call it, the policy does one thing: it pays for the funeral and burial so your family doesn't have to.

Amounts people often choose:

$5,000
$10,000
$15,000
$20,000

The money can pay for:

The funeral service
Burial or cremation
Leftover medical bills
Any other bills you leave behind

The people you name decide how to spend it.

St. Louis Area ZIP Codes We Serve

St. Louis Senior Insurance helps families in the city, St. Louis County and St. Charles County, including these ZIP codes:

63104
63109
63110
63111
63116
63118
63119
63122
63123
63125
63129
63017
63031
63033
63301
63303

We help by phone everywhere in between, from Florissant and Chesterfield to Kirkwood, Webster Groves and South County. See all of our service areas.

Why St. Louis Seniors Buy Final Expense Coverage

People buy it so their spouse or kids won't have to find thousands of dollars in the same week they're planning a funeral.

You can apply over the phone, and on a level-premium policy the price is set from day one.

01
Funeral prices have gone up year after year
02
Social Security pays a one-time death benefit of $255, and only to an eligible spouse or child
03
Grown children may not have the cash to cover the gap
04
Your age when you apply sets the premium, so buying sooner costs less
05
Whole life coverage lasts as long as you pay the premium

Common questions

Final expense questions from St. Louis families

Is final expense insurance the same thing as burial insurance?

Yes. Final expense, burial and funeral insurance are three names for one product, a small whole life policy that pays for a funeral and other end-of-life costs.

Does the premium go up as I age?

Not on a level-premium whole life policy. The premium is set when the policy is issued and stays the same while you keep paying. Some policies work differently, so we check how the premium is set before you apply.

What does guaranteed issue mean?

A guaranteed-issue policy asks no health questions, so if you're within the eligible ages, your health can't get you turned down. You pay more for each dollar of coverage, and most of these policies have a graded benefit. If you die of natural causes in the first two years, the policy usually returns the premiums plus interest in place of the full benefit.

Will I need a medical exam?

Usually not. Many final expense policies ask a few health questions and skip the exam. How you answer decides which policies and prices you can get.

Will Medicare pay for a funeral?

No. Medicare pays for medical care and nothing toward a funeral or burial. For health coverage, see Medicare in St. Louis.

How is this different from a preneed contract with a funeral home?

A preneed contract is an agreement you sign with a funeral home to arrange and pay for services ahead of time. Missouri regulates these contracts under its own preneed law, and preneed sellers are licensed through the State Board of Embalmers and Funeral Directors. A final expense policy is life insurance. It pays your beneficiary in cash, and they decide how to use it. Some families have both.

Who gets the money, and what can it pay for?

The person you name as beneficiary gets the death benefit. They can spend it on the funeral, burial or cremation, medical bills, or anything else.

Get a Final Expense Quote in St. Louis, MO

Setting this up now means your family won't get a funeral bill while they're grieving.

If you have questions about burial insurance in St. Louis, funeral coverage in St. Charles County, or low-cost life insurance for seniors, get in touch and we'll go through your options.

Working on your health coverage too? Read turning 65 in St. Louis, compare Medicare Supplement plans and Medicare Advantage, or talk with a licensed insurance agent.

Get a price on burial coverage

Tell us your age and how much coverage you want. We'll get quotes from the carriers we represent, and our help is free.

Get My Free Quote 314-463-5815