Final Expense & Burial Policies
Small whole-life policies bought to cover funeral and burial costs, often set up decades before they're needed.
Funeral Insurance
Find the Policy Meant
to Cover the Funeral
Heirloom searches insurer databases and state registries to match a decedent to final-expense, burial, and preneed funeral policies, then confirms the benefits in your estate inventory.
NAIC
National insurer database searched for matching policies
50 States
Unclaimed benefit registries searched nationwide
The Coverage Picture
The Policy Meant to Cover the Funeral Is Easy to Miss
Final-expense and preneed policies are small, old, and rarely documented, so families often pay for a funeral a policy already covered. Heirloom searches insurer databases and registries to surface matching policies.
Preneed Funeral Contracts
Prepaid arrangements with a funeral home or provider that may already cover services the family is about to pay for again.
Beneficiary & Assignment Details
Who a policy pays, or whether benefits were assigned directly to a funeral provider instead of a named beneficiary.
NAIC & Carrier Records
Searches the national insurance database to match the decedent to funeral and final-expense policies across carriers.
Lapsed & Paid-Up Policies
Older policies that were fully paid or lapsed but may still carry a benefit owed to the estate or family.
Unclaimed Benefits
Funeral and final-expense benefits reported to state unclaimed property programs, searched across all 50 states.
Heirloom makes all the difference. In the midst of everything going on, it’s a relief to know I have a plan and tools to help me.
Lisa, Trustee
How It Works
From a Name to a More Thorough Policy Inventory
Step 1
Enter the Basics
Your staff spends a few minutes entering the decedent's name and identifiers into a secure dashboard. No document hunting to get started.
Step 2
Match Policies to the Decedent
Funeral and final-expense policies typically surface within the first couple weeks as Heirloom searches insurer databases and carrier records.
Funeral insurance is only the start. The same intake can also surface real estate, retirement plans, bank and investment accounts, life insurance, business holdings, unclaimed property, and other liabilities, feeding one shared estate inventory.
FAQs
Maximize Every Caseload
Launch a turnkey estate inventory service line that captures new revenue with zero added headcount.
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