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Why do I need final expense insurance? (Top 8 Excuses People Use to NOT Buy a Policy)

Here at IBUSA, we’ll often get calls from clients looking to purchase a small final expense insurance policy on a loved one because…

 “The proposed insured isn’t interested in buying a life insurance policy for themselves on their own.”

In their “eyes,” they feel that a final expense insurance policy isn’t necessary and it’s just a complete waste of time and money.

Which is fine…

If the “proposed insured” has made the necessary arrangements to ensure that their surviving family members won’t be burdened by any costs that will be incurred upon their death.

But if this isn’t the case, what usually ends up happening to the surviving family members end up suffering an additional financial burden on top of the emotional loss!  Now at this point it’s probably safe to say that we’re not providing you with any “earth-shattering” news. After all, most folks understand that while…

“Dying may be free, but getting buried isn’t!”

Which is why…

We wanted to take a moment and HIGHLIGHT the most common excuses we hear from people trying to explain why they DON’T need to purchase a final expense insurance policy and shed some light on why most of these excuses, if left unchallenged, will probably end up costing you and your family a lot of money!

And it’s important to remember that…

These types of policies are no medical exam life insurance, so you can get you or a loved one covered with very little effort apart from filing out an application.

At the end of the day, the main reason why someone might need to purchase a final expense insurance policy is that they don’t have $7,000 to $10,000 laying around immediately available to pay for their own burial if they were to die next Tuesday.

Top 10 Excuses People use to Claim that they DON’T need to purchase a final expense insurance policy.


#1. I don’t care.

Have you had a family member run this one by you? It usually sounds a bit like this…

“I don’t care what happens when I die. My family can just bury me in the back yard!”

Well, if it were that easy, it’s probably safe to say that a lot more people might actually go this “route.”  However, we should point out that burying a dead body in one’s backyard isn’t something that most cities or counties are going to “sign off” on.


While this excuse might make someone “feel better” about not having to deal with the reality of what it takes to properly bury an individual, all that it really does is leave one’s surviving family member stuck with your bills!

#2. My family can just sell all my STUFF!

This excuse for not wanting to purchase a final expense insurance policy at least provides one’s loved ones with an “alternative option” for financing one’s burial. The only problem with this plan is that it fails to take into account that…

“It’s not easy to just sell a bunch of stuff that doesn’t technically belong to you.”

You see, while you may want your family to sell you house, car, TV, or other material items you own to pay for your funeral, it’s not like that’s something that’s going to happen “overnight”!”

“Things like that take time.”

It’s also probably…

Something that most of your family members don’t want to have to deal with in the days and weeks following your passing!


Instead, what usually happens is that one or several of your family members (or a community GoFundMe page) will have to “step up” and take the initial financial HIT caused by your loss.

Then as the days and weeks go by, your good Samaritans will then have to try and re-coup their losses.  Which, as one can imagine, isn’t something that most family members would want or appreciate!

#3. The Military or State is going to pay for my burial.

This objection can often be difficult to combat because, in most cases, the individual making this claim is sure about “their facts” and doesn’t want to hear anything that might contradict their beliefs.

This is why we here at IBUSA will suggest that anyone thinking about relying on the government (military or state) to pay for their burial to take a moment and determine exactly how much money the government will provide.


If it’s not more than $2000 (which is the average cost of a cremation nowadays), chances are the government benefits that you’re thinking will be the answer to all your final expense “issues” isn’t going to be enough!

#4. I already have a funeral plot paid for.

In cases like these, it may be true that the “proposed insured” doesn’t need to purchase a final expense insurance policy. They may already have everything in place, and you have nothing to worry about.

“Which is great!”  

Just be sure to ask the “proposed insured” if they’ve thought of all the expenses involved in properly burying someone. Including other costs like a “service” may require a family to spend money on things like:

  • A reception hall or church,
  • Flowers,
  • Food,

As well as travel expenses if one chooses to be buried somewhere other than where they currently live right now.

This means that even though someone might have their final resting place picked out and paid for, that doesn’t necessarily mean that all of their final expenses will be covered as well.

#5. Just donate my body to science.

Choosing to donate one’s body to science is a very noble act regardless of “why” someone decides to do so.

“Even if your primary reason for doing so is to avoid paying to have oneself buried or cremated”.

But, just because…

You don’t want to spend a lot of money on a burial or cremation ceremony doesn’t mean that your family wouldn’t want to have some type of “Celebration of Life” ceremony on your behalf.


If you’re seriously thinking about donating your body to science, you may still want to think about purchasing a small burial life insurance policy so that your family might be able to celebrate your life in style.

#6. Look I don’t want to talk about it.

Sometimes folks don’t want to talk about what will happen to them when they pass away. This is especially true if the “potential insured” isn’t sick or has any “type” of pre-existing medical conditions.

“And who can blame them?”

It’s not like talking about death is a fun topic or one that is commonly brought up over the dinner table.

Which is why…

In our experiences, it seems like the “trick” to help folks like this realize that they may need to purchase a small final expense insurance policy is to try and talk about how getting a final expense policy on someone else first might make a lot of sense.

And then use this example to show how they might “benefit” as well.

#7. I don’t want my family to get RICH when I’m gone!

Heaven knows we’ve heard this one before. In cases like these, your best bet is to simply explain what it’s going to cost to have the “potential insured” buried and show them that the final expense insurance policy you’re thinking about purchasing for them isn’t going to make you wealthy, it just going to prevent you from going broke.

Then, if they still have…

A problem with that, you may want to suggest that the alternatives to you purchasing a life insurance policy on them may include donating their bodies to science (many folks find that creepy) or declaring their body as indigent whereby the “STATE” will “PROCESS” their body for a minimal fee.

#8. Just cremate my body and spread my ashes in the ocean.

This actually sounds like a beautiful idea, but there’s just one problem with it. Getting cremated isn’t free. In fact, depending on where you live and how elaborate you get with your urn, it can actually be quite expensive.

Not to mention…

Any costs that might be associated with spreading your ashes at sea. Costs such as using a boat (if not done onshore) along with any expenses that might be incurred by having a service or ceremony when dispersing the actual ashes. The good news is that most folks who would like to see their ashes dispersed this way are going to be open to making sure things are done right.

Which means…

That they’ll also be “generally” more open to purchasing a small final expense insurance policy to help their loved ones.

And there you have it…

Our top 8 excuses people use to NOT buy a final expense insurance policy. Which leaves us asking the following three questions…

  • If you died tomorrow, do you have the money needed to pay for your burial?

If not, what do you want to do about that?

  • Do you want to see how much it might cost to purchase a final expense life insurance policy?

Or would you rather just make your friends and family have to deal with it?

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