Plan for funeral costs and other end-of-life expenses with coverage that fits your needs. Karen will help you compare your options, understand the details, and decide at your own pace.
Karen K. Marshall • Licensed independent insurance agent
The basics
What is final expense insurance?
Final expense insurance is life insurance intended to help your loved ones pay for costs after you die, including funeral, burial, or cremation expenses and other remaining costs. The policy pays a benefit to the person you name as your beneficiary.
You can choose a coverage amount based on the costs you want to plan for and what you can comfortably pay. The price, eligibility, and policy terms depend on the insurer and the coverage you select.
01
Start with your needs
Talk through your plans, any coverage you already have, and who you want to protect.
02
Compare the details
Review benefit amounts, monthly costs, eligibility, and any waiting periods or limits before deciding.
03
Choose at your pace
Ask questions and decide whether a policy makes sense for you. There is no pressure to buy.
Your coverage options
Carriers I work with
I work with Transamerica and Foresters Financial to help you explore final expense insurance options that fit your needs and budget.
Transamerica
Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company
Financial strength ratings reflect an independent opinion of an insurer’s ability to meet its insurance obligations. They are not customer review scores or guarantees of a particular policy’s benefits. Ratings can change. Verified September 30, 2026. Coverage and availability depend on the insurer, policy, state, and eligibility.
Frequently Asked Questions
Know what you’re choosing.
What affects my monthly cost?
Your age, coverage amount, and the policy you choose affect your monthly premium. Depending on the insurer, health and tobacco use may also affect the price and your eligibility. Karen can compare available options with your budget in mind.
How much coverage should I consider?
Start with the expenses you want to help cover, such as a funeral, burial or cremation, and any remaining bills. Consider savings and life insurance you already have, then choose an amount with a premium you can comfortably maintain.
Is there a waiting period?
Some policies provide the full death benefit from the coverage start date, subject to policy terms. Others limit benefits for death from natural causes during an initial period, often two years. Karen will explain when full benefits begin and what would be paid during that period before you apply.
Can I qualify if I have health conditions?
You may still have options. Eligibility depends on your age, the insurer, and the policy’s health requirements. A health condition does not automatically rule out coverage, but approval is not guaranteed. Karen can help you understand the options available for your situation.
Will I need a medical exam?
Many final expense policies do not require a medical exam, but may still ask health questions and review health information. No exam does not mean automatic approval. Karen will explain the requirements for the policies you consider.
Is this only for funeral costs?
No. The benefit is paid to your named beneficiary, who can use it for funeral expenses or other needs. It is helpful to discuss your wishes with them.
What if I already have life insurance?
You can still review what you have. Karen can help you think through whether your current coverage meets the needs you want to plan for.
What happens during the Free Final Expense Review?
We’ll discuss your goals, budget, and any coverage you already have, answer your questions, and review possible costs, eligibility, and waiting periods. The conversation is free, and there is no obligation to buy a policy.
Coverage, premiums, eligibility, waiting periods, and exclusions vary by policy. Review the policy details before applying.
The person behind Aljon Financial
Meet Karen K. Marshall
President of Aljon Financial Life Insurance · Licensed life insurance agent
I believe planning ahead is one of the most loving things you can do for your family. My work is to help you understand life insurance in plain language, so you can make a choice that fits your needs, values, and budget.
With more than 20 years in sales, client service, and relationship-building, I bring patience and real-life understanding to every conversation. I’ll listen, answer your questions, and walk through your options without pressure.
