Final Expense Insurance helps cover end‑of‑life costs so your family doesn’t have to. It’s a simple, affordable policy designed to handle funeral expenses, medical bills, legal fees, and other obligations—giving your loved ones peace of mind when they need it most.
Get My Free QuoteCoverage decisions are fast, with clear terms and real human support.
Despite Medicare or private insurance coverage, elderly households may still face considerable financial risk from out-of-pocket health care expenses at the end of life.
The legal proceedings referred to as probate, and related accounting fees, can be a shock to family and loved ones. Probate costs vary by state while the probate process can take months, or years.
A funeral can be one of your family’s largest expenses. The average cost of a funeral is $8,300. While many believe that cremation is a far less expensive option, data shows that the cost is only 28% less than the traditional funeral.
Depending on your needs and budget, we have a plan to help meet your needs.
Request a QuoteThere are two final expense life insurance plans offered by Horizon Insurance. After applying, you will be offered the best value based upon your age and health questionnaire responses.
Full face value from policy issue if death is due to an accident or natural causes.5
Accidental death
Full benefit immediately
Non-accidental death
All policy years = full benefit
Choose a benefit in the following range:
| Issue age6 | Min. death benefit | Max. death benefit7 |
|---|---|---|
| 45–55 | $5,000 | $50,000 |
| 56–65 | $5,000 | $40,000 |
| 66–75 | $5,000 | $30,000 |
| 76–80 | $5,000 | $20,000 |
Full face value from policy issue if death is due to an accident.5
Accidental death
Full benefit immediately
Non-accidental death
Policy years 1 & 2 = limited benefit
Policy year 3 = full benefit
Choose a benefit in the following range:
| Issue age6 | Min. death benefit | Max. death benefit7 |
|---|---|---|
| 45–75 | $2,000 | $25,000 |
(available for Level Plan only)
This rider pays up to 50% of the death benefit (less policy loan) if a physician certifies a qualifying terminal illness (life expectancy < 12 months). Minimum benefit $1,000; maximum $15,000. An administrative fee up to $200 will be taken from the benefit amount.
Pays 100% of the base policy’s face amount for accidental death for issue ages 40–45.
Provides coverage for a child, stepchild, legally adopted child, grandchild, legally adopted grandchild, or great grandchild. Available from $2,500 to $10,000 per child in $2,500 increments. Issue ages begin at 30 days through under 18 years old. Convertible to a whole life policy between ages 22 and 25.
A handful of factors influence how much final expense life insurance you truly need. We recommend looking at your monthly expenses to help determine how much money you’d like to guarantee your beneficiaries. Here are a few different bills to factor in:
The cost of a funeral, burial, cremation or other ceremony
Utility bills like electricity, water and garbage
Food, including groceries and dining out
Medical expenses
There are a few steps involved to apply for a Horizon Insurance final expense life insurance plan.
Request a quote or give us a call so we can walk you through all of your life insurance options.
While some insurance plans require a formal medical exam, final expense insurance usually only requires a brief health questionnaire.
Estimate this by looking at monthly household expenses, immediate needs and potential funeral expenses.
Once approved, your beneficiary can receive the death benefit to help with final expenses when the time comes.
Protect your loved ones from the burden of end-of-life expenses. Our Final Expense Whole Life Insurance offers affordable coverage and peace of mind—so you can focus on the moments that matter most.
Request Your QuoteThe plans advertised herein offer supplemental insurance coverage and are not major medical insurance plans.
Horizon Insurance Final Expense insurance coverage is underwritten by Tier One Insurance Company, a subsidiary of Horizon Insurance Incorporated and is administered by Aetna Life Insurance Company.
In AR, AZ, DE, ID, OK, OR, PA, TX and VA: Policies ICC21-AFLLBL21 and ICC21-AFLRPL21; and Riders ICC21-AFLABR22, ICC21-AFLADB22, and ICC21-AFLCDR22. This is a brief product overview only. Coverage may not be available in all states, including but not limited to New York. Benefits/premium rates may vary based on coverage selected. Optional riders are available at an additional cost. Policies and riders may also contain a waiting period. Policies and riders include limitations and exclusions that may affect benefits payable. Refer to the exact policy and rider forms for benefit details, definitions, limitations and exclusions.
If the insured, while sane or insane, dies by suicide within two years after the policy effective date shown in the Policy Schedule, the death proceeds under the policy will be an amount equal to: the premiums paid; less the loan balance as of the date of death.
We will not pay benefits for any accidental death caused by or contributed by, in whole or in part, any of the following: disease, illness or infirmity of the body or mind; war, whether declared or not, or any act or hazard of war; participation in a riot or insurrection; suicide, whether you are sane or insane; intentionally self‑inflicted injury, whether you are sane or insane; committing or attempting to commit a felony; participation in an illegal occupation; travel in or descent from any kind of aircraft, unless you are being transported solely as a fare paying passenger; travel in an aircraft or device used for testing or experimental purposes, used by any military authority or used for travel beyond the earth’s atmosphere; participation in any of the following high risk activities: sky diving, parachuting, hang-gliding, bungee jumping, sailgliding, parasailing, soaring, ballooning, parakiting, mountain climbing, cave exploration, scuba diving, driving or riding in any motor-driven vehicle in any race, stunt show or speed test or on any race course or speedway; voluntarily taking any drug or medication, unless prescribed by a physician and taken in accordance with the physician’s instructions; intoxication as defined by the jurisdiction where the accident occurred; any poison or gas voluntarily taken, administered or inhaled, except in the course of employment; an infection not occurring as the direct result or consequence of accidental bodily injury, or medical or surgical treatment of disease or infirmity.
We will not pay benefits for any accidental death caused by or contributed by, in whole or in part, from the exclusions outlined above under the Modified whole life accidental death exclusions. The rider does not cover death resulting directly or indirectly, in whole or in part, from: disease, illness or infirmity of the body or mind; war; participation in a riot or insurrection; suicide; intentionally self‑inflicted injury; participation in an illegal occupation or activity; aircraft travel except as a fare‑paying passenger; testing/experimental/military/beyond‑atmosphere aircraft; high‑risk activities; non‑prescribed drugs; intoxication; poison or gas voluntarily taken; infection not due to accidental injury; or medical/surgical treatment of disease or infirmity.
Death proceeds and cash surrender values will be reduced upon payment of an Accelerated Benefit. Accelerated death benefits may be taxable by your state. Receipt of accelerated death benefits may affect eligibility for public assistance programs. Benefits may also be taxable and are not expected to receive the same favorable tax treatment as other types of accelerated death benefits that may be available. Horizon Insurance does not give legal or tax advice. Policyholders should seek additional information from their personal tax advisor about the tax status of the Pre‑Payment Amount.
If an insured child, while sane or insane, dies by suicide within two years after the date the insured child’s coverage became effective under the rider, the death proceeds under the rider will be limited to an amount equal to the premiums paid for the insured child’s coverage.
Tier One Insurance Company is part of the Horizon Insurance family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).