Final Expense can include the cost of funerals, travel expense, extra medical bills, and unexpected needs. We have policies for funeral expenses that can be paid for by the month or the year. However, the best plan we have found is a single pay estate planning trust from $ 5,000 to $50,000. The trust is established by the insurance company and can be created to be medicaid friendly. There is no extra charge for this as it is part of the policy. They help negotiate funeral costs and discounted airline fares at the time of need. No death certificate is required.