Final Expense

Final expense life insurance is designed to cover your final expenses such as funeral and burial costs, probate costs, final bills, and even taxes. It is permanent whole life insurance, which means your coverage will last for your lifetime and your premiums will never increase. There is no medical exam or test needed to obtain a final expense life insurance policy. You just have to answer a few health questions to determine your eligiblity.

Features of final expense insurance:

  • Permanent whole life insurance
  • Premiums remain level for life
  • No medical exam to qualify
  • Builds cash value over time
  • Available for ages 50 to 85
  • $3,000 to $50,000 o death benefit

What if I have health problems?

If you have more serious pre-existing conditions, such as heart disease, cancer, a stroke, or diabetes, you can still qualify for a guaranteed issue life insurance policy. The benefits are graded, which means your beneficiaries won’t receive the full death benefit until year three, but this is an excellent option if you have been turned down for life insurance before.

How do I obtain final expense life insurance coverage?

This first step is to compare rates from several carriers. You can do this very easily online by filling out a short quote request form and you’ll be matched up with carriers and rates for your particular needs and situation. You can also call toll free to 1-877-801-4402 to speak with an experienced insurance professional if you are unsure about the amount and type of coverage you need. Once you have found the carrier and policy amount you want, you simply apply and wait for your application to go to underwriting. Once you are approved and you’ve made your first premium payment, your coverage will start and your beneficiaries will be protected.

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