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Financial Relief in a Time of Loss
Are you looking for an easy method to pay for burial and other final expenses? A popular and predictable way to cover your last expenses is with final expense life insurance.
GET A QUICK INSURANCE QUOTE
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How It Works
Final expense life insurance is different from most kinds of life insurance, which people usually buy to replace their income and cover their family’s long-term financial needs in case they die.
APPLY
Start by thinking about your funeral plans and any other bills you might incur, like medical bills or leftover debt, and add them up. This will help you figure out your ideal coverage amount. Before you commit, explore the variety of final expense plans available.
BUY
Once you’re approved for final expense life insurance, you’ll make regular premium payments on your policy. Our Life’s final expense plans will last the rest of your life, as long as your payments are up to date, which will aid in building cash value for your payout.
PROTECT
After your death, your family will receive a lump sum cash payout equal to the coverage amount you applied for. They can use this money for whatever they need: to pay funeral costs, cover bills and leftover debts, or save. Having a final expense plan in place can provide a financial safety net for your loved ones.
WHY PEOPLE CHOOSE US
No Medical Exams
Certain types of life insurance require a medical exam, but not a burial insurance policy. Unless you have a serious pre-existing medical condition, you’ll likely be able to get coverage.
Lower Premiums
Final expense life insurance rates start at just $53 per month, with coverage amounts ranging from $5,000 to $35,000.
Quick Approvals
The application process is quick and easy, and coverage can be issued in days, sometimes even on the day you apply. Once you’ve been approved, your coverage starts immediately.
Payment Flexibility
You get to choose if you want to pay your premium monthly or annually.
Our Services
You Have Problems, We Have Answers!
Final expense insurance is designed to help older adults plan ahead for funeral costs or other end-of-life expenses.
There are two types of final expense insurance services:
Simplified issue final expense insurance
Simplified issue is best for people in relatively good health who are looking for a way to cover end-of-life costs. The application includes a few health questions, but there’s no medical exam required.
Guaranteed issue final expense insurance
Guaranteed issue is for best for people whose age or health prevents them from buying other types of life insurance coverage. There are no health requirements at all with guaranteed issue, so anyone who meets the age requirements can typically qualify.
Get a Final Expense Insurance Quote
Have questions or need help? Use the form to reach out and we will be in touch with you as quickly as possible.
FAQ'S
For a deeper understanding, here are the most common, frequently asked questions about us.
Wondering if a final expense policy is worth it? If you don’t already have money set aside to help your family pay for funeral, medical, or other expenses after your death, final expense insurance can be an affordable alternative to saving the thousands of dollars needed to cover these costs.
In general, as long as you pay your premiums. Some policies cap the age at 100 or more, but you’ll need to ask your licensed insurance agent or read your policy documents to find out if it’s true for your policy.
Generally, yes. Smokers statistically have shorter life spans than non-smokers, making them riskier to insure. Although final expense insurance isn’t as stringent in its health requirements as other types of insurance, you will be asked if you’re a smoker when you request a quote.