Financial Relief in a Time of Loss
Are you seeking a simple solution to cover burial and other final expenses? Final expense life insurance offers a popular and predictable method to ensure your end-of-life costs are covered.
How It Works?
Final expense life insurance differs from many other types of life insurance, typically purchased to replace income and provide long-term financial security for family members in the event of death.
Apply
Begin by considering your funeral arrangements and potential expenses, including medical bills or outstanding debts. Totaling these costs will help determine the coverage amount you need. Before making a decision, explore the range of final expense plans available.
Buy
After approval for final expense life insurance, you'll make regular premium payments on your policy. Our Life's final expense plans offer coverage for life, as long as payments are up to date, and may accumulate 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.
Here Are Reasons Why People Choose Us?
No medical exam
While some life insurance policies necessitate a medical exam, burial insurance typically does not. Unless you have a significant pre-existing medical condition, you’re likely to qualify for coverage.
Lower premiums
Final expense life insurance rates begin at just $53 per month, offering coverage amounts ranging from $5,000 to $35,000.
Quick approvals
The application process is quick and easy, with coverage often issued within days, sometimes even on the day of application. Once approved, your coverage starts immediately.
Payment flexibility
You have the flexibility to choose whether you want to pay your premium monthly or annually.
OUR SERVICES
We've Got Solutions for Your Concerns!
Final expense insurance is specifically tailored to assist older adults in preparing for end-of-life expenses, including funeral costs. There are two primary types of final expense insurance services available:
Simplified issue final expense insurance
Simplified issues are ideal for those in good health seeking coverage for end-of-life expenses. It features a simple application with a few health questions, omitting the need for a medical exam.
Guaranteed issue final expense insurance
Guaranteed issues are suitable for individuals unable to obtain other life insurance due to age or health reasons. With no health requirements, anyone meeting the age criteria 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 some of the most frequently asked questions about our services.
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.