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What’s final expense insurance?

Coverage for end-of-life costs

It helps pay for funeral and burial costs, medical bills, credit card debt, or anything your family needs.

Policies for ages 45 to 85

USAA Secure™ Final Expense Whole Life Insurance won’t expire until age 121.

Benefits from $5,000 to $40,000

With a broad range of coverage amounts, you’ll find a policy that fits your needs and budget. 

How much would a $20,000 final expense policy cost?‍ ‍ See note 1

Expense policy cost

Age

55

Male monthly rate

$63

Female monthly rate

$52

Age

65

Male monthly rate

$95

Female monthly rate

$75

Age

75

Male monthly rate

$168

Female monthly rate

$133

How much would a $20,000 final expense policy cost?‍ ‍ See note 1

Expense policy cost
Age Male monthly rate Female monthly rate

55

$63

$52

65

$95

$75

75

$168

$133
Expense policy cost
Age

55
Male monthly rate

$63
Female monthly rate

$52
Age

65
Male monthly rate

$95
Female monthly rate

$75
Age

75
Male monthly rate

$168
Female monthly rate

$133

Using final expense insurance to support your family

Make It Make Sense – USAA Secure Final Expense Insurance

Video Duration: 2 minutes 4 seconds

Introduction: Elapsed time 0 minutes 0 seconds [0:00]

Feel like life insurance doesn't make sense? Don't worry, we've got you. Welcome to Make It Make Sense. Today, we're answering questions about USAA's Secure Final Expense Insurance and how USAA can be there for you and your loved ones.


What is USAA Secure Final Expense Insurance?: Elapsed time 0 minutes 14 seconds [0:14]

So what is USAA's Secure Final Expense Insurance? It's for exactly what it sounds like, final expenses. Like medical bills, funeral costs, legal fees. It can even help your family take time off or travel to be together. Taking care of things now is taking care of your loved ones later.


Won't my other assets be enough?: Elapsed time 0 minutes 34 seconds [0:34]

Won't my other assets be enough? They might be, eventually. Investments and other assets often are not available until your estate is settled. Final expense insurance is generally much faster and tax-free, so your family can handle immediate needs without dipping into their inheritance.


How does this policy take pressure off my family later on?: Elapsed time 0 minutes 52 seconds [0:52]

How does this policy take pressure off my family later on? With USAA Secure Final Expense Insurance, you get a free trust or will with Trust & Will, which is valued up to $599, so that your wishes are written down, not argued over.


Will my family have enough?: Elapsed time 1 minute 12 seconds [1:12]

Funerals are expensive. Will my family have enough? They really are. Burials can cost up to $10,000. Even if you're on a fixed income, we have budget-friendly coverage, anywhere from $5,000 to $40,000, so your family can make the right decision, not just the cheapest.


How will my family know what to do?: Elapsed time 1 minute 32 seconds [1:32]

How will my family know what to do? Our handpicked survivor relations team will be there to help guide them, from accessing your accounts to helping with final arrangements. We'll be there for them, just like we've been there for you.


Conclusion: Elapsed time 1 minute 44 seconds [1:44]

I'm Verla with USAA, and I hope this helped you Make It Make Sense with USAA Secure Final Expense Insurance. If you still have questions, call us at 1-800-531-LIFE, or go to usaa.com/finalexpense to get an online quote.


End: Elapsed time 2 minutes 4 seconds [2:04]

Benefits of USAA Secure™ Final Expense Whole Life Insurance

Premiums that never change

You’ll pay the same amount regardless of your age or health with a guaranteed monthly cost.

No medical exam

After you answer a few health questions, you can select your coverage in minutes if you’re approved.

Cash value

Your policy builds tax-deferred cash value that you can borrow against if you need it. ‍ ‍ See note 2

Free online estate planning up to a $599 value

When you buy USAA Secure™ Final Expense Whole Life Insurance, you’ll get a free will or trust package from Trust & Will, a leader in online estate planning.‍ ‍ See note 3

Trust

This includes a revocable trust, certification, all your will documents and a schedule of assets.

Will

This includes a last will and testament, power of attorney, medical info authorization and medical directive, or living will.

Printing and shipping

Trust and Will can print and ship the documents you need free of charge.

Why choose USAA?

Dedicated support for your loved ones

When your family is ready, our Survivor Relations team can help guide them on your accounts, final arrangements and bills.

USAA Perks®

With USAA Perks®, you'll save on things like travel, entertainment and services.

Multi-product savings

Have a homeowners, auto or renters policy with USAA? You could save money on them when you buy a USAA Secure™ Final Expense Whole Life Insurance policy.‍ ‍ See note 4

Does life insurance cover your medical bills?

Your benefit is a fixed amount you choose when you buy a policy, up to $40,000. After you’re gone, your family can choose to use this amount to pay off medical bills you leave behind.

If you’re over 65 years old and want help now with out-of-pocket costs like copays, coinsurance and deductibles, you may want to consider one of our Medicare options. 

Explore Medicare options

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Not sure if final expense insurance is right for you?

We’ve got other life insurance options. Both come with free online estate planning, up to a $599 value, from Trust & Will.

USAA Secure™ Whole Life Insurance

This permanent policy includes:

  • Benefit amounts between $50,000 and $10 million.
  • Coverage for ages 18 to 85 years .
  • The potential for tax-deferred cash value.
This policy isn't available in New York yet. But you can still get another whole life policy with us. Find out more about our Simplified Whole Life Insurance.
Learn more about whole life insurance

USAA Eagle Express

This term policy includes:

  • Benefit amounts between $100,000 and $10 million.
  • Coverage for ages 18 to 70.
  • Extra military features for service members and the option to convert to a permanent policy after 1 year.‍ ‍ See note 5
Learn more about Eagle Express

Other life insurance resources

Modified endowment contracts: Rules and tax implications

Article: 6 minutes

Read article: Modified endowment contracts: Rules and tax implications

Life insurance for final expenses

Article: 5 minutes

Read article: Life insurance for final expenses

Life insurance for seniors: What you need to know

Article: 4 minutes

Read article: Life insurance for seniors: What you need to know

Leave memories, not bills with USAA Secure™ Final Expense Whole Life Insurance.

Schedule a call for life insurance

Call 800-531-LIFE (5433)

For TTY devices, dial 711

Hours of operation for USAA Life Insurance

Monday to Friday
7:30 a.m. to 7 p.m. CT
Saturday and Sunday
Closed

Note: Days and times may vary.

Related footnotes:

  1. Quotes are for estimate purposes only. Your actual premium will be determined after underwriting review and may vary by state, age, birth sex, and risk class. Risk class is determined by factors such as tobacco use, health, family medical history, and lifestyle. Premiums remain level for the duration of the policy and is fully paid up on the policy anniversary following the insureds 100th birthday. Life Insurance coverage lasts to age 121, provided you continue to pay sufficient premiums. Approval for coverage is based on your answers to underwriting questions and will not require a medical exam. Life insurance products may have limitations and conditions and may not be available in all states. This product is not available in New York.

    USAA Secure™ Final Expense Whole Life Insurance has two death benefit options determined at the time of underwriting:

    • Level Death Benefit: This option will pay the full death benefit amount. (Form ICC26503574 10-25, may vary state by state)
    • Graded Death Benefit: This option will pay your beneficiaries all premiums paid, plus 10% if you die from natural causes (any cause other than accidental as defined in your contract) during the first two years. (Form ICC26503576 01-26, may vary state by state)

    The Accelerated Death Benefit for Terminal Illness Rider (Form ICC24504411 03-24, may vary state by state) is not available on the Graded Death Benefit policies.

    The USAA Secure™ Final Expense Whole Life Insurance policy pays a specific death benefit amount to your beneficiary; the beneficiary may or may not use it to help pay final expenses. All benefits paid will be reduced by any outstanding loans.

  2. Policy loans reduce the death benefit and cash value and can cause the policy to lapse. If a policy with an outstanding loan lapses or is surrendered, the loan may be considered taxable income. Loans from a Modified Endowment Contract (MEC) are generally taxable and may be subject to a 10% penalty if you are under age 59½, unless an exception applies. Consult a financial or tax advisor before taking a policy loan.

  3. With the purchase of a USAA Eagle Express term life insurance policy, USAA Secure™ Whole Life, or USAA Secure™ Final Expense, the primary policy holder will be eligible to create either a will or trust online with Trust & Will by exercising the Eagle Plus Rider on their policy, form number ICC23505229 01-23 (may vary state by state). One-time document printing and shipping included. Not available in Florida or New York.

  4. Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

  5. The opportunity to convert after the first year anniversary is subject to certain requirements and subject to an expiration date. Converting will increase your premium. Please review your policy.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  3. This content is provided for information purposes only. Estate planning and probate services are provided by Trust & Will, an online service providing legal forms and information. Trust and Will is not a law firm and they do not provide legal advice.

  4. USAA Life General Agency, Inc. is not affiliated with Trust and Will or Huge Legal Technology Company, Inc., nor do we guarantee the quality of their products or services. Although we receive compensation from and may promote and/or recommend the products offered by these companies, consumers should review the product carefully prior to making a purchasing decision.

  5. USAA Secure Whole Life: ICC25517453 03-25 (may vary by state) not available in New York.

  6. Simplified Whole Life: ICC2099630 03-20 (may vary by state). In New York, NWL99614NY 11-20.

  7. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, USAA Falcon Property & Casualty Insurance Company, and NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

    Learn about USAA's use of Artificial Intelligence.

  8. Health/Medicare solutions provided by USAA Life Insurance Company and through USAA Life General Agency, Inc. (LGA) (known in CA and NY as USAA Health and Life Insurance Agency), which acts as an agent for select insurance companies to provide products to USAA members. LGA representatives are salaried and receive no commissions. However, LGA receives compensation from those companies, which may be based on the total quantity and quality of insurance coverage purchased through LGA. Plans not available in all states. Each company has sole financial responsibility for its own products.

  9. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  10. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

  11. Learn about USAA's use of Artificial Intelligence at usaa.com/ai.

    Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

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