Secure peace of mind for your family — with affordable, permanent protection you can count on.
Reaching your 60s brings wisdom, freedom, and often a renewed focus on what really matters — family, stability, and peace of mind. But one topic many Richmond families overlook is how to handle the inevitable cost of a funeral, burial, or cremation. Today, the average funeral in Richmond, VA can cost between $8,000 and $12,000, not including final medical bills or unpaid expenses.
That’s where Final Expense Life Insurance steps in. It’s designed for seniors — especially those over 60 — who want to leave behind more than just memories. It helps protect your loved ones from financial stress during one of life’s most difficult moments. And with Kemper Life, this coverage is affordable, permanent, and built to fit your budget and goals.
Final Expense Life Insurance is a simplified whole life policy that covers the costs of your end-of-life expenses. Unlike term life insurance, which ends after a set number of years, final expense insurance lasts your entire life — as long as you keep the policy active.
Many seniors in Richmond choose final expense coverage as a gift of love — ensuring their children or spouse aren’t burdened by unexpected costs.
As a local home service life insurance agent in Richmond, VA, I work face-to-face with families just like yours — from Northside and Glen Allen to South Richmond and Midlothian. I understand the unique challenges local seniors face when balancing their retirement budget with long-term protection.
Kemper Life has been trusted by Virginia families for generations. We specialize in affordable final expense insurance and whole life insurance — policies that are simple, permanent, and backed by personal service from a local agent who truly cares.
The right amount depends on your personal situation. Think about the following costs your loved ones might face:
Most Richmond seniors choose policies between $10,000 and $25,000. That’s often enough to cover funeral expenses and still leave a little something behind for family members. I can help you find a plan that fits your goals and your monthly budget.
Final expense is a type of whole life insurance, but it’s typically more affordable and easier to qualify for. Whole life may offer larger benefit amounts and more long-term savings features, while final expense is focused on immediate affordability and simplicity — perfect for retirees or those living on Social Security income.
If you’ve been turned down before because of health conditions, don’t worry — Kemper Life also offers Guaranteed Acceptance Life Insurance. That means no medical exams and no health questions. You can qualify easily, and your loved ones can rest easy knowing everything is handled.
The process is quick and simple. I’ll walk you through your options, answer every question, and help you find a plan that makes sense — whether it’s Final Expense Insurance, Whole Life, or even a small Term Life policy to cover short-term needs.
I proudly serve Richmond, Henrico, Chesterfield, Petersburg, Colonial Heights, Hopewell, Prince George, and Dinwiddie. Wherever you are in Central Virginia, you deserve affordable coverage and a trusted advisor who will take the time to explain your options clearly.
Let’s make sure your family is protected, and your legacy is secure — with Final Expense Life Insurance designed specifically for seniors over 60.
