Final expense insurance, also referred to as burial insurance, covers end of life expenses including funeral arrangements and any remaining medical or legal expenses that will need to be settled by your beneficiary. This coverage can ensure that your loved one are not left with a financial burden, as the average funeral can cost $10,000 or more. 

Certain types of life insurance require a medical exam, but NOT a final expense policy. Unless you have a serious pre-existing medical condition, you will likely be able to get coverage.