Life insurance, at it's simplest terms, can be used for several reasons 1) to pay off your debts after you pass (think: mortgage, cars, credit cards, etc) 2) to help your family replace your income after you pass 3) to provide your family or an organization some money after you pass Some policies come with a rider that will allow you to pull that money prior to death to help pay your healthcare costs for a critical illness. Click here for a good article explaining the basics of life insurance

Final expense insurance is a small, affordable life insurance option for people who want to ensure their loved ones are able to cover the costs of their funeral or celebration of life. Most people don't realize that their assets are frozen after their death so their loved ones may have to use their own money to cover the ceremony. Final expense insurance takes that burden off of them.