PolicySolutionsFinal Expense Insurance in Virginia.
Final expense is a smaller whole life policy built to cover funeral, burial, and other end-of-life costs — often with no medical exam — approval is based on your answers to the health questions on the application. Licensed agents compare multiple carriers for Virginia residents, so the recommendation fits your situation — not a single company's lineup.
Final Expense Insurance in Virginia: the facts
Final Expense Insurance in Virginia is available through PolicySolutions, a licensed independent agency (NPN 20612303) that compares 5 carriers for Virginia residents. Coverage generally runs $2,000–$50,000 for issue ages typically 45–85, and Virginia law gives you at least 10 days to review a new policy and cancel it for a full refund.
- Free-look period
- 10 days on a newly issued policy. Source
- State regulator
- Virginia State Corporation Commission Bureau of Insurance — consumer help
- Licensing
- PolicySolutions is licensed in Virginia; verify NPN 20612303 with the Virginia State Corporation Commission Bureau of Insurance.
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
State facts verified 2026-07-21 against the cited authority. Rates and underwriting vary by carrier and applicant.
What final expense insurance looks like for Virginia families
Real numbers depend on your age and health — here's the honest starting point.
What it's sized to cover
The national median funeral with viewing and burial runs about $8,300 (NFDA 2023 General Price List Study), or about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Many Virginia families size coverage to that, plus any final medical bills or small debts.
Burial insurance vs. final expense — what's actually different →
A common Virginia scenario
For a 65-year-old in Virginia considering $15,000 of coverage, a licensed agent compares carriers to find the lowest rate you actually qualify for. Because pricing depends on age and health, we confirm real numbers with you rather than post a teaser rate.
Final Expense Insurance in Virginia: the local picture
Virginia's life-insurance landscape
Genworth Financial, a publicly traded insurer known for long-term care and life coverage, keeps its corporate headquarters in Richmond, Virginia. Virginians shopping for life insurance can lean on the State Corporation Commission's Bureau of Insurance, which publishes plain-language consumer guides and fields complaints toll-free.
Your Virginia consumer protections
Virginia gives you a free-look period of at least 10 days to review a newly issued policy — return the policy inside that window — the clock starts when the policy is delivered to you, and some states also require a written cancellation request — for a refund of the premium you paid. Confirm the number and the return instructions printed in your own policy. The Virginia State Corporation Commission Bureau of Insurance regulates insurers operating in the state and publishes consumer guides and complaint resources. You can independently verify any licensed agent or agency through the national NIPR producer database.
Compare the free-look period in every state we serve →
Visit the Virginia State Corporation Commission Bureau of Insurance →
How final expense insurance works
- Coverage amount
- $2,000–$50,000
- Issue ages
- typically 45–85
- Medical exam
- No medical exam for many applicants (simplified or guaranteed issue)
- Premiums
- Level premiums that never increase; coverage lasts for life as long as premiums are paid
Final Expense Insurance in Virginia — common questions
How much does a funeral cost in Virginia?
The national median for a funeral with viewing and burial is about $8,300 (NFDA 2023 General Price List Study), and about $6,280 for a funeral with viewing and cremation. That figure excludes the cemetery plot, burial vault, monument/marker, and cash-advance items. Actual costs in Virginia vary by provider and the arrangements you choose.
Do I need a medical exam to buy final expense insurance in Virginia?
No medical exam for many applicants (simplified or guaranteed issue). A licensed agent in Virginia can confirm which carriers approve you without one.
Is there a free-look period on a policy in Virginia?
Yes. Virginia gives you a free-look period of at least 10 days to review a newly issued policy. To cancel, return the policy to the insurer with a written cancellation request inside that window and you receive a refund of the premium you paid. Variable products may refund account value rather than premium, and the controlling number is the one printed in your own policy.
How much final expense insurance coverage can I get in Virginia?
Coverage generally ranges from $2,000–$50,000, for issue ages typically 45–85. A licensed agent helps you size it to what you actually need.
Get a Virginia final expense insurance quote.
No obligation. A licensed agent walks you through real Virginia options and pricing based on your age, health, and goals.
Get qualified →