ZACHRY INSURANCE FINAL EXPENSE PLANNER

Estimate Your Final Expense Funding Gap.

Instead of starting with an insurance quote, start with the expenses your family may actually face. Add funeral costs, burial or cremation, debts, medical bills, and family assistance, then subtract savings and coverage already available.

Estimate the need

Enter rough planning amounts for the final expenses that matter to you.

Count what is already available

Include savings, existing life insurance, and other money specifically available for these expenses.

See the difference

The planner compares estimated needs with existing resources and shows a possible funding gap or surplus.

Your numbers stay in this browser while you calculate. They are only sent to Zachry Insurance if you choose to submit the consultation form after viewing your result.

Free Planning Calculator

Build your estimate

Use exact amounts if you know them or simple rough estimates if you are still planning. Leave anything that does not apply at $0.

1 Estimated final expenses

Funeral or memorial service

Service, facility, officiant, flowers, transportation, notices, or similar costs.

Burial, cremation, or cemetery costs

Cremation, casket or urn, burial plot, opening and closing, marker, or related costs.

Debts you want addressed

Credit cards, personal loans, or other obligations you want included in the plan.

Medical or end-of-life bills

A planning amount for medical bills or other end-of-life costs you want the family to consider.

Family assistance

Travel, time away from work, temporary living costs, or money you would want available to family.

Other final expenses

Any other expense you intentionally want included in this planning estimate.

2 Resources already available

Savings set aside or available

Savings or cash you expect would realistically be available for these expenses.

Existing life insurance or final-expense coverage

Enter only coverage you believe is currently in force. If you are unsure, use $0 and review the policy later.

Other resources

Other money specifically available for the expenses included above.

Your Planning Estimate

Estimated funding picture

Estimated expenses $0

Existing resources $0

Estimated funding gap $0

Your breakdown

These are the amounts currently included in your estimate.

Important

This planner is for general educational and planning purposes only. It is not an insurance quote, policy recommendation, guarantee of eligibility, financial advice, legal advice, tax advice, or a promise that any particular expense will occur. Actual costs, available assets, policy benefits, exclusions, waiting periods, and claim outcomes vary.

Want to review the gap with a licensed agent?

If you choose to continue, your calculator breakdown will be included with your contact request so the conversation can start with the plan you just created.

Talk With an Agent

How should Clay reach you?

Your final-expense planning totals and breakdown will be included with this request. Do not enter Social Security numbers, policy numbers, bank information, or medical records.

Full Name Email Address Phone Number State

WHAT THE NUMBER MEANS

A funding gap is a planning number, not a coverage recommendation.

The planner simply adds the expenses you entered and subtracts the resources you entered. A positive difference is shown as an estimated funding gap. If resources are greater than estimated expenses, the planner shows the estimated surplus instead.

This can help you prepare better questions before speaking with an insurance professional. It does not determine how much life insurance you should buy or whether a particular policy is suitable.

Learn how final expense insurance works →

PREFER TO TALK FIRST?

Speak directly with Zachry Insurance.

You can skip the calculator and talk with Clay about final-expense planning, existing coverage, or questions about a current policy.

Call Clay Today Schedule Consultation