Final Expense life insurance is whole life insurance meant to cover funeral expenses. The death benefit is usually used towards final medical bills and other end-of-life expenses, like burial, cremation or memorial service, and items like caskets and urns, and more.
Most traditional permanent life insurance policies require a medical exam to determine the cost of your policy whereas final expense insurance policies don’t 
require such in–depth research into your background and applicants are insured after answering only a few questions.