Simple Life Insurance Protection for Medicare Beneficiaries

Planning for the future isn’t always easy — but protecting your loved ones can be.

Final expense insurance is a type of permanent life insurance designed to help cover funeral, burial, and other end-of-life expenses. It provides a tax-free benefit to your beneficiaries to help ease financial and emotional stress during a difficult time.

For many Medicare clients, this coverage offers peace of mind and financial clarity.

Why Medicare Clients Consider Final Expense Coverage

Original Medicare covers medical care — but it does not cover:

  • Funeral costs

  • Burial or cremation expenses

  • Outstanding medical bills

  • Credit card balances

  • Small remaining debts

Funeral expenses today can easily range from $8,000 to $15,000 or more. Final expense insurance helps ensure those costs don’t fall on your spouse or children.

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How Final Expense Insurance Works

  • Coverage amounts are typically smaller than traditional life insurance (often $5,000–$50,000).

  • Premiums are fixed and do not increase with age.

  • Coverage is permanent and does not expire as long as premiums are paid.

  • Benefits are paid directly to your chosen beneficiary.

Many plans offer simplified underwriting, meaning:

  • No medical exam required

  • Simple health questions

  • Fast approval in many cases

Who Is It Right For?

Final expense insurance may be a good fit if you:

  • Do not currently have life insurance

  • Want to leave money specifically for funeral expenses

  • Are on a fixed retirement income

  • Want predictable, affordable monthly premiums

  • Prefer a simple, straightforward policy

It’s especially common for Medicare beneficiaries who want modest coverage designed for a specific purpose — not large estate planning policies.

Affordable Protection. Clear Guidance.

At Plan Medicare, we help you compare available carriers and benefit amounts so you can choose coverage that fits your budget and goals.

There’s no pressure — just education and options.

You’ve worked hard to protect your family throughout your life. Final expense insurance helps you continue that protection with dignity and clarity.