What Happens If You Don’t Have Final Expense Insurance?

The financial and emotional costs your family could face

We don’t like thinking about the end — but ignoring it doesn’t make it go away. When someone passes away without a plan in place, their loved ones are often left to deal with the financial fallout.

At Safeguard Insurance Group, we’ve seen firsthand how Final Expense Insurance can spare families from added stress during already difficult times. But what if you don’t have coverage in place?

Here’s what really happens — and why it matters.

💰 1. Your Family Pays Out of Pocket

The average funeral in 2025 costs between $9,000 and $15,000, and that’s not including things like travel, medical bills, or probate costs.

Without final expense coverage, your family may need to pay for:

• Funeral home fees

• Burial or cremation

• Death certificates

• Legal or medical bills

• Outstanding debts

This often means dipping into savings, using credit cards, or even starting GoFundMe pages.

🧾 2. Funeral Homes May Require Upfront Payment

Many funeral homes require full or partial payment before services are rendered. If your family doesn’t have immediate access to funds, this can delay arrangements — or force them to make hard choices they didn’t plan for.

"Without coverage, families are often forced to settle for less than what their loved one would’ve wanted."

🏦 3. Your Estate May Be Tied Up in Probate

Even if you have money set aside in a savings account, your estate may be frozen in probate — delaying access to those funds for weeks or even months.

Final Expense Insurance avoids this by paying your chosen beneficiary directly and quickly, helping them cover costs without legal hurdles.

🧍 4. It Can Create Emotional Stress for Loved Ones

Losing a loved one is hard enough. Adding financial pressure, difficult decisions, and unpaid bills only makes it worse.

Final expense insurance is about more than just money — it’s about protecting your family’s peace of mind when they need it most.

💼 5. Debt Doesn’t Disappear

Your debts don’t vanish when you pass — they often become the responsibility of your estate or next of kin. Medical bills, credit cards, or personal loans may still need to be paid.

A final expense policy gives your family a financial buffer so they’re not scrambling to cover unexpected balances.

✅ Final Thoughts

Not having final expense insurance doesn’t just leave a financial gap — it can leave your loved ones struggling at the worst possible time.

With a policy from Safeguard Insurance Group, you can take this burden off their shoulders.
No medical exam. Simple approval. Coverage that protects your family.

👉 Get started today — and make sure the people you care about are taken care of tomorrow.