Final Expense

Affordable Premiums: Final expense policies typically have lower premiums compared to other life insurance types, making them accessible to seniors and individuals on fixed incomes.

Simplified Underwriting: Most policies do not require a medical exam. Approval is often based on answering a few health-related questions.

Smaller Coverage Amounts: Policies typically range from $5,000 to $50,000, which is sufficient to cover funeral costs, medical bills, or outstanding debts.

Whole Life Coverage: Final expense insurance is a type of permanent life insurance, meaning it lasts for your entire lifetime as long as premiums are paid.

Application Process: Applying for final expense insurance is straightforward. Most policies offer quick approvals and minimal health requirements.

Coverage: The policy provides a cash benefit to your beneficiaries that can be used for:

Funeral and burial costs

Medical expenses

Outstanding debts or other end-of-life obligations

Guaranteed Death Benefit: The payout is guaranteed as long as premiums are kept current, offering peace of mind to your loved ones.

Seniors: Final expense insurance is ideal for older individuals who want to ensure their end-of-life costs are covered without burdening their family.

Those Without Life Insurance: If you don’t already have life insurance or your term policy has expired, this is an affordable option.

People Looking for Simplicity: With minimal health requirements and smaller benefit amounts, final expense insurance is a straightforward solution for ensuring peace of mind.

Financial Protection for Loved Ones: Relieve your family from the stress of unexpected costs during an emotionally challenging time.

Customizable Policies: Choose a coverage amount that aligns with your anticipated expenses.

Guaranteed Premiums: Premiums remain fixed for the life of the policy, helping with long-term budgeting.