Final Expense Insurance
Working toward a secure future for your family
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No Health Exam Required
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Fixed Monthly Payments That Don't Change
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Coverage up to $50,000
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Steady benefits that remain unchanged over time
Personalized and comprehensive coverage tailored to you from America's top insurance companies in the country.
Final Expense Clarified
Final expense insurance is typically a Whole Life Insurance policy with a smaller death benefit, designed to cover costs associated with end-of-life expenses. These policies are often easier to qualify for and are known as Simplified Issue Life Insurance. Some options include Guaranteed, Modified, or Graded Life Insurance, but note that Guaranteed Issue and Modified/Graded policies often come with a two-year waiting period. This may not always be the best choice for everyone.
The death benefit for this type of coverage typically ranges from $2,000 to $50,000. While Final Expense Insurance is intended to cover end-of-life costs, the beneficiary has full discretion on how the payout is used and can allocate it as needed.
Important Highlights of
Final Expense Insurance
Small Whole Life Policy Easy Qualification
Policy Amounts $2,000 - $50,000
Death Benefit Used For Any Purpose
Average Funeral Costs $7,000 - $12,000
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How Do You Choose The Right Final Expense Insurance?
Selecting the right Final Expense Insurance goes beyond just choosing a policy—it's about finding one that fits your unique needs and preferences. To help you navigate the various options and factors involved, we've created this guide:
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​Identify Your Specific Wishes: The first step in choosing Final Expense Insurance is to determine the exact funeral arrangements and end-of-life expenses you want covered. This goes beyond just the casket and burial plot, including services, medical bills, and any outstanding debts. Clarifying your wishes will help you select the right coverage amount to meet your needs.
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Reputation matters: The reliability of your policy depends on the strength of the company backing it. Ensure you choose an 'A-Rated' company to guarantee your family is supported when they need it most.
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Be transparent and candid: If any aspect of the policy is unclear or concerning, don’t hesitate to ask your agent or insurance provider for clarification. Open communication is crucial to ensure you make a fully informed and comfortable decision.
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Clarify Your Specific Needs: The first step in choosing Final Expense Insurance is to outline the exact funeral arrangements and end-of-life costs you wish to cover. This includes not just the casket and burial plot, but also ceremonies, medical bills, and any outstanding debts. Understanding your needs will guide you in selecting the appropriate coverage amount.
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Seek a Trusted Advisor: A licensed agent and trusted advisor can greatly impact your experience by providing a policy that fits your needs. An experienced advisor will navigate the complexities and assist you in making an informed choice.
How Can Final Expense Insurance Benefit You?
Funeral & Final Expenses:
A funeral can be one of the biggest expenses for your family, with the average cost around $7,848. Although cremation is often thought to be significantly cheaper, data indicates it’s only about 15% less expensive than a traditional funeral.​​
Legal and Financial Expenses:
If you're ready to alleviate the worry of inadequate life insurance, get a quote today! Our experienced agents are knowledgeable about all life insurance products and can address any questions you have. We look forward to assisting you.
Out of Pocket Medical Expenses:
Even with Medicare or private insurance, elderly households can still face significant financial risk from out-of-pocket healthcare costs at the end of life.