A final expense calculator that itemizes the funeral before anyone talks about a policy

Agents who write small-face whole life for older clients, especially those who now rely on bought leads or mailers. A calculator lets people researching on their own, or adult children researching for a parent, arrive with costs itemized and a target amount, instead of a name and phone number on a burial-insurance form.

It also fits Medicare and senior-market brokers who write final expense alongside other lines. The calculator itself is about funeral and final costs, not Medicare plans, so it can sit on a general senior planning page.

Agencies serving Spanish-speaking and other immigrant families benefit from the interface running in 2 languages (English, Spanish, Simplified Chinese, Korean, Vietnamese and Arabic), which lets the visitor work through a sensitive subject in the language they are most comfortable with.

It totals seven cost lines in today's dollars, projects that total forward at the inflation rate entered for the years until needed, then subtracts savings set aside and existing life insurance. The result is the recommended coverage, shown alongside the funeral and burial subtotal and the final bills subtotal.

The cost lines are the funeral home and service, the casket and burial or cremation, cemetery plot and opening, headstone or marker, final medical bills, debts, and legal and estate costs. Entering zero years shows the cost in today's dollars only.

What it does not do: it does not price a policy, check eligibility or account for a graded benefit period. Many final expense policies are whole life with lower face amounts; some guaranteed-issue policies pay a limited benefit for deaths from natural causes in the first years. Explain that clearly before an application.

From a local funeral home's general price list. Under the Federal Trade Commission's Funeral Rule, funeral homes must provide an itemized price list on request in person and give prices by phone. Encouraging prospects to use it makes the estimate more accurate and positions your agency as a planner rather than a seller.

Link to the FTC's consumer page on the Funeral Rule (opens in a new tab) from your landing page. A prospect who has called two funeral homes arrives with numbers you can trust, and the call can focus on how the coverage will be paid and who will receive it.

The calculator's definitions also explain beneficiaries: naming a trusted person rather than the estate usually gets money to them faster than probate. That is a natural point to discuss who will actually be handling the arrangements.

Usually care costs and income. People planning their final costs are often also worrying about paying for care late in life or turning savings into reliable monthly income. Offer those calculators on the same page so one visit can surface several needs without a second form.

Pair it with the long-term care cost calculator for prospects whose larger worry is care before death, and with the immediate annuity income calculator for those deciding what to do with a lump sum. Each submission is appended to the same contact.