---
title: Lumico | Final Expense
image: https://lumico.com/hubfs/finalexpenseicon.png
---

[![LFIC logo_left - color_editable_hubspot-1](https://lumico.com/hubfs/LFIC%20logo_left%20-%20color_editable_hubspot-1.svg) ](https://lumico.com)

- [Home](https://lumico.com)
- [File a Claim](https://lumico.com/claim-support)
- [Products](https://lumico.com/product-main-page) ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - Life Insurance
    - [Protect Now Term](https://lumico.com/protect-now-term)
    - [Simplified Issue Final Expense](https://lumico.com/final-expense)
    - [Whole Life](https://lumico.com/whole-life)
    - Health Insurance
    - [Medicare Supplement](https://lumico.com/medicare-supplement)
- [About Us](https://lumico.com/about-us) ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - [About Lumico](https://lumico.com/about-us)
    - [Our Companies](https://lumico.com/our-companies)
    - [Testimonials](https://lumico.com/about-us#testimonials)
    - [Lumico News](https://lumico.com/lumico-news)
- [Support](https://lumico.com/help-center) ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - [Help Center](https://lumico.com/help-center)
    - [Contact Us](https://lumico.com/contact-us-main)
- My Account ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - [Life Insurance](https://lumico.com/lumico-life-customer-portal-login)
    - [Health Insurance](https://lumico.com/login-health)
    - [Are you an agent? ](https://lumico.com/login-agent)

[![LFIC logo_left - color_editable_hubspot-1](https://lumico.com/hubfs/LFIC%20logo_left%20-%20color_editable_hubspot-1.svg) ](https://lumico.com)

![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/bars-solid.svg)

- [Home](https://lumico.com)
- [File a Claim](https://lumico.com/claim-support)
- [Products](https://lumico.com/product-main-page) ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - Life Insurance
    - [Protect Now Term](https://lumico.com/protect-now-term)
    - [Simplified Issue Final Expense](https://lumico.com/final-expense)
    - [Whole Life](https://lumico.com/whole-life)
    - Health Insurance
    - [Medicare Supplement](https://lumico.com/medicare-supplement)
- [About Us](https://lumico.com/about-us) ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - [About Lumico](https://lumico.com/about-us)
    - [Our Companies](https://lumico.com/our-companies)
    - [Testimonials](https://lumico.com/about-us#testimonials)
    - [Lumico News](https://lumico.com/lumico-news)
- [Support](https://lumico.com/help-center) ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - [Help Center](https://lumico.com/help-center)
    - [Contact Us](https://lumico.com/contact-us-main)
- My Account ![](https://lumico.com/hubfs/raw_assets/public/iptiQ/Images/angle-down-light.svg) 
    - [Life Insurance](https://lumico.com/lumico-life-customer-portal-login)
    - [Health Insurance](https://lumico.com/login-health)
    - [Are you an agent? ](https://lumico.com/login-agent)

# Simplified Issue Final Expense Insurance

Coverage that provides peace of mind

### Lumico Simplified Issue Final Expense

**Simplified Issue Final Expense (SIFE) insurance** is a whole life insurance policy that has a small death benefit. Frequently, SIFE insurance is commonly referred to as "funeral insurance," or "burial insurance" and is a small whole life policy with a death benefit of $5,000 to $50,000.

 

Lumico's product **helps lessen the burden** on your family by ensuring they have the means they need to help cover funeral and/or burial costs.

 Product Specifications

 Issue Ages

Ages **40-80** Preferred and Modified  
Ages **40-85** for Standard  

 Minimum face amount

$5,000

 Maximum face amount and risk classes*

$50,000 for Preferred at ages **40-60**   
$40,000 for Preferred at ages **61-70**   
$30,000 for Preferred at ages **71-75**   
$20,000 for Preferred at ages **76-80**   
$30,000 for Standard   
$15,000 for Modified

 Policy Expiry

Age 121

 Premium Frequency

Annual, semi-annual, quarterly, monthly

 Rider options

Included

- Accelerated Death

Optional

- Accidental Death

**Preferred:** your benefit is “level” - so you’re entitled to 100% of your benefit from the first day your coverage begins.  
**Standard & Modified:** your benefit is “graded” in the first three years - this means your benefit will gradually increase to 100%, unless death occurs as a result of an accident.

 For more coverage information download a copy of our Simplified Issue Final Expense fact sheets based on your age at policy issue. Please note product name differs by age at policy issue.

[ Simplified Issue Whole Life ](https://lumico.com/hubfs/Documents/Product%20Fact%20Sheets/Lumico_Fact_Sheet_SIWL.pdf)

 (Ages 40-49)

[ Simplified Issue Final Expense ](https://lumico.com/hubfs/Documents/Product%20Fact%20Sheets/Lumico_Fact_Sheet_SIFE.pdf)

 (Ages 50+)

For **help** with your **Simplified Issue Final Expense **life insurance policy,   
please contact our life insurance customer care team on** 1-866-440-4047**.

### What else can we help you with?

[![myAccount](https://lumico.com/hubfs/myAccount.svg)

 My account 

](https://lumico.com/lumico-life-customer-portal-login)

[![claim](https://lumico.com/hubfs/claim.svg)

 Submit a claim 

](https://lumico.com/claim-support)

[![headset](https://lumico.com/hubfs/headset.svg)

 Contact expert 

](https://lumico.com/contact-us-main)

![LFIC logo_left - color_hubspot_footer_a-1](https://lumico.com/hubfs/LFIC%20logo_left%20-%20color_hubspot_footer_a-1.svg)

[Terms and Conditions](https://hubspot.lumico.com/terms-and-conditions)   
[Privacy Policy](https://lumico.com/privacypolicy)

##### Products

##### About Us

##### Support

##### My Account

© 2026 Lumico. All rights reserved.