Final Expense Trust

Plan ahead today to ease the financial and emotional burden on your loved ones tomorrow.

Set aside money in a trust for your funeral expenses.

No one likes to think about funeral costs. However, planning ahead can make things much easier for the people you love. A funeral expense trust (FET) is an easy, affordable way to set aside money specifically to cover your funeral and burial expenses when the time comes.

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What Is a Funeral Expense Trust?

A funeral expense trust is a small life insurance policy where the money is placed into a trust, safely held by the insurance company. That money is protected and set aside to help pay for your funeral, burial, or cremation expenses, so your loved ones don’t have to worry about covering those costs on their own.

How Does an FET Work?

1

Step one

You set aside money in the trust.

2

Step two

That money is available right away, often within 24 hours, to help your family pay for your funeral.

3

Step three

The funds can be used at any funeral home, no matter where you live.

Even better, in many cases, the funds in an FET won’t count against you if you ever need to apply for Medicaid to help with long-term care costs.

What Can FET Funds Be Used For?

Funeral services

Cremation or burial

Casket or urn

Headstone

Embalming and preparation

Why Buy a Funeral Expense Trust?

No set-up fees

Guaranteed acceptance (even up to age 99!)

Tax-free benefits

Quick access to funds when your family needs them most

No need to pick out services or a funeral home ahead of time

Achieve peace of mind for you and less stress for your loved ones.


Planning ahead with a funeral expense trust is a thoughtful gift for your family. It helps ensure your final wishes are honored and your loved ones won’t be left worrying about how to pay for everything.