Final Expense Insurance in New Jersey
Ease the Burden. Leave a Plan, Not a Bill.
At BEW Financial Solutions, we help families across Pompton Lakes, Wayne, and the surrounding North Jersey area prepare for the unexpected costs of end-of-life arrangements. A final expense insurance policy gives your loved ones the financial support and clarity they need during an already difficult time.
What Does Final Expense Insurance Cover?
Final expense insurance—also known as burial insurance—is designed to cover the costs associated with your passing, including medical bills, funeral services, and burial or cremation.
Types of Final Expense Coverage We Help You Secure:
What Does Life Insurance Cover?
Life insurance is more than a payout—it’s a plan that ensures your family’s future stays on track, even if you’re no longer there to lead it. From mortgage protection to legacy planning, the right policy offers financial security and peace of mind.
Types of Life Insurance We Offer:
Term Life Insurance
Affordable, time-limited protection designed to cover your family during key years—like raising children or paying off your home.
Whole Life Insurance
Lifelong coverage that builds cash value over time. A great option for estate planning, final expense coverage, or long-term savings.
Universal Life Insurance
Flexible protection that combines lifelong coverage with adjustable premiums and a savings component.
Final Expense Insurance
A simple, affordable way to ensure funeral costs and other end-of-life expenses are covered—so your family isn’t left with unexpected bills.
Basic Burial Insurance
Affordable plans that provide a lump sum payout to cover funeral expenses, service costs, and cremation or burial.
Custom Final Expense Plans
Tailored coverage based on your preferences and family needs. These policies offer flexibility for how funds are used.
Funeral Pre-Payment Review
We help you weigh the pros and cons of pre-paying funeral costs vs. using insurance—and make sure you’re not overpaying.
End-of-Life Planning Guidance
We assist in documenting your funeral wishes, burial preferences, and other details your loved ones will need to honor your legacy.
Why North Jersey Families Choose BEW for Final Expense Insurance
We Treat You Like Family
We understand these decisions are deeply personal. Our team helps you feel supported and informed, every step of the way.
Independent, Not Tied to One Carrier
We work with multiple top-rated insurers so you can compare policies and premiums—with no pressure or upselling.
Trusted Since 1996
With decades of experience, we’ve helped North Jersey families secure peace of mind and financial clarity for life’s most delicate moments.
Local Knowledge, Lifelong Support
From Pompton Lakes to Wayne, our in-person support means you’ll never face these decisions alone.
What is final expense insurance and how is it different from life insurance?
Final expense insurance is a smaller, more affordable type of life insurance specifically meant to cover funeral and related costs. Unlike larger life insurance policies, it’s designed for simpler, practical use by your family.
What happens if I don’t have coverage?
Without coverage or pre-planning, funeral costs typically fall on your loved ones. In New Jersey, a standard funeral can exceed $17,000—and Social Security only offers a $255 death benefit.
How much coverage do I need for final expenses?
Most final expense policies offer $5,000–$20,000 in coverage. We’ll help you calculate the right amount based on your preferences and financial goals.
Is pre-paying for my funeral a good idea?
It can offer peace of mind, but it’s less flexible than insurance. We’ll help you explore both options and guide you based on your needs and state regulations.
When should I buy final expense insurance?
The earlier, the better. Premiums increase with age, so securing a policy in your 40s–60s typically offers better rates and broader eligibility.
Leave Peace, Not Uncertainty
Final expense planning is one of the most caring gifts you can leave behind. Let us help you create a clear, affordable plan that protects the people you love.