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Preparing Your Clients for the Unexpected – Final Expense

According to the National Funeral Directors Association, the National Median Cost of an adult funeral with viewing, burial, and a vault totaled $9,135 in 2019. As of August 2020, more than 173,000 people also have died in the United States due to COVID-19 (coronavirus).

When you review those two figures, you can see how a lot of families right now might not be prepared for the death of a loved one. COVID-19 has brought many unexpected deaths throughout the United States (and the world), where families have needed to coordinate funeral arrangements quickly and without a plan or budget in place.

Final expense insurance was created to help avoid unforeseen funeral costs and other final expenses. Most policies do not require a medical test, and a consumer typically can apply for as much as $25,000 in final expense coverage. Based on your client’s budget, they can select a carrier and final expense product that fits within their price range.

To help independent agents sell final expense insurance, AIP Marketing Alliance has created a proprietary, dedicated website at with brand new training videos, carrier information, and sales resources. AIPMA has access to top-rated insurance carriers who specialize in final expense insurance. As a wholesaler, you also can grant secure access to this website and set up training sessions with the Final Expense Champions team at AIP Marketing Alliance.

Selling final expense insurance is another product to add to your portfolio as most agents try to provide multiple products (i.e., life insurance, long-term care insurance, annuities, Medicare supplements) to offer full-service life planning for their clients. With COVID-19 concerns still affecting our world, you may want to remind your clients how a final expense insurance policy is a viable option.

With more than 10,000 people turning 65 on a daily basis, final expense insurance becomes a relevant conversation even outside of these pandemic times. Most people do not have a plan for their funeral arrangements, and starting a conversation about final expense insurance might generate interest now or even down the road.

Do you want to start selling final expense insurance? Looking to get sales training for your agents? Contact AIPMA’s Final Expense Champions representatives at (866) 711-2977 or email

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For more than 40 years, AIP Marketing Alliance (AIPMA) serves as a premier life insurance and annuity distribution partner to provide full-service support to independent wholesalers, brokerages and agents from our Troy, Michigan office. Copyright 2023